WEBVTT - Manifestation is BS? How to Actually Build Wealth (Shares, Strategy + More) 💰with Victoria Devine

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<v Speaker 1>I would like to acknowledge the traditional owners of the

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<v Speaker 1>land on which this episode is being recorded, the Combomb

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<v Speaker 1>Merry people. They've been having conversations and telling stories on

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<v Speaker 1>this land for thousands of years, and we show our

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<v Speaker 1>gratitude and respect for their contribution to our environment and culture.

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<v Speaker 1>This is Rise and Conquer, the podcast where we strive

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<v Speaker 1>to become the highest version of ourselves through curious conversations,

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<v Speaker 1>healthy mindsets, laughter, connection, and a deep desire to evolve.

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<v Speaker 1>I'm your host, Georgie Stevenson. Join me as we explore parenthood, business, manifestation,

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<v Speaker 1>and so much more.

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<v Speaker 2>It's positive, it's practical.

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<v Speaker 1>And it's about putting you in the driver's seat of

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<v Speaker 1>your own life.

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<v Speaker 3>Are you ready.

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<v Speaker 1>Just before we start the episode, if you have ever

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<v Speaker 1>felt like manifestation makes sense in theory but not in

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<v Speaker 1>your everyday life, If it has felt hard to stay

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<v Speaker 1>consistent in your manifesting routines, then we have the thing

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<v Speaker 1>for you. So introducing our brand new product, the Manifestation Lab.

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<v Speaker 1>And honestly, I am so excited about this. The Lab

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<v Speaker 1>is your personal manifestation system. It's for the dreamers who

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<v Speaker 1>are ready to become doers.

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<v Speaker 3>It's for the ones who are.

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<v Speaker 1>Done with guessing and are ready to ground their desires

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<v Speaker 1>into reality with clarity, with structure and align action. So

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<v Speaker 1>basically it is a notion template and inside you'll get

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<v Speaker 1>clarity tools to really define what you want. That is

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<v Speaker 1>the first step of manifestation and it is so important.

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<v Speaker 1>You'll also get rituals and mindset practices to clear any

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<v Speaker 1>resistance and to shift your energy, which is also one

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<v Speaker 1>of the most important parts. You'll also get my full

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<v Speaker 1>limiting beliefs and manifestation formula so you can clear what

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<v Speaker 1>is holding you back. There is a tracker to stay

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<v Speaker 1>consistent and accountable, and of course there is a manifestation

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<v Speaker 1>library where we have given you every book, every podcast,

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<v Speaker 1>every YouTube, So if you want to raise your frequency,

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<v Speaker 1>if you want to learn about something, we have given

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<v Speaker 1>you a whole library of where to go, and that

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<v Speaker 1>is all my favorite resources.

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<v Speaker 3>So it's not just a pretty template.

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<v Speaker 1>This is going to be your daily manifestation podal a

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<v Speaker 1>space where your desires meet momentum. So if you have goals,

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<v Speaker 1>if you have desires, if you're calling an abundance or

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<v Speaker 1>love or success or all of the above, the Manifestation

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<v Speaker 1>Lab is your home base and it's designed to grow

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<v Speaker 1>with you, so like as you grow, it grows, it

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<v Speaker 1>supports your evolution. And it is only thirty three dollars

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<v Speaker 1>and thirty three cents, So.

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<v Speaker 3>This is something that is only thirty three dollars.

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<v Speaker 1>And you're going to use it daily. So if you

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<v Speaker 1>are listening back to this episode, it would already live

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<v Speaker 1>on our website.

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<v Speaker 3>We are so excited. Head to the show notes to

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<v Speaker 3>check it out.

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<v Speaker 1>But let's get into the episode. Today on the podcast,

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<v Speaker 1>we're joined by a total force in the finance world,

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<v Speaker 1>Victoria Divine. She's not only a former financial advisor to

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<v Speaker 1>an entrepreneur, but the founder of She's on the Money,

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<v Speaker 1>Australia's number one finance podcast that consistently dominates the charts

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<v Speaker 1>with millions of downloads and a thriving community behind her.

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<v Speaker 1>Victoria has made it her mission to help people take

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<v Speaker 1>back control of their finances and build wealth on their

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<v Speaker 1>own terms. She's also a best selling author and the

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<v Speaker 1>co founder of Zella Money, a fast growing financial advice,

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<v Speaker 1>accounting and finance breaking business that is helping everyday people

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<v Speaker 1>create extraordinary financial futures. In this episode, Victoria breaks down

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<v Speaker 1>exactly how to step into your financial power. We're talking

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<v Speaker 1>investment one oh one, building systems that work for you,

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<v Speaker 1>and how to balance the energetics and structures behind lasting

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<v Speaker 1>financial success. Her ability to make money.

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<v Speaker 2>Feel clear, approachable, and.

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<v Speaker 3>Even fun honestly is next level.

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<v Speaker 1>And also, guys, we talk a lot about how manifesting

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<v Speaker 1>and the energetics of money is involved in this. Sometimes

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<v Speaker 1>you can think someone like Victoria is maybe someone who

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<v Speaker 1>doesn't have anything to do with that world, but she

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<v Speaker 1>actually does and she really helps put it in a

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<v Speaker 1>structure and a system. And so I think you guys

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<v Speaker 1>are going to absolutely love this episode. So whether you're

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<v Speaker 1>just starting out or ready to take your money game

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<v Speaker 1>to the next level, this conversation is going to leave

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<v Speaker 1>you feeling empowered, educated, and excited about your financial future. Victoria,

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<v Speaker 1>Welcome back to the Rise and Conquered Podcast.

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<v Speaker 4>I am so excited about this, Like we were looking

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<v Speaker 4>it up off it and I was like, when was

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<v Speaker 4>that and twenty twenty one twenty It's been a hot minute.

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<v Speaker 3>It's been a good couple of years.

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<v Speaker 1>And also we were just having a laugh because I

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<v Speaker 1>was pregnant with Ivy.

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<v Speaker 4>Girl and now you're pregnant again.

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<v Speaker 2>And again and we only interview when I'm Yeah.

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<v Speaker 4>We only do podcasts when Georgie is pregnant. So you're

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<v Speaker 4>going to continue to have to have babies so we

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<v Speaker 4>can continue this relationshiation. Yeah, otherwise, I so sorry.

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<v Speaker 3>Thank you so much for coming back on the show.

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<v Speaker 1>And it has been incredible to watch your journey over

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<v Speaker 1>these last four years, watch you grow your platform, grow

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<v Speaker 1>your businesses.

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<v Speaker 3>For those who don't know who.

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<v Speaker 1>You are, could you just give us a little bit

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<v Speaker 1>of an elevator pit.

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<v Speaker 4>Hi, I'm Victoria. It is so lovely to meet you,

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<v Speaker 4>if we haven't met before. I am an ex financial advisor.

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<v Speaker 4>I retired in twenty twenty two and decided to go

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<v Speaker 4>all in on content creation. So I have the Sheese

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<v Speaker 4>on the Money podcast and we talk literally all things money.

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<v Speaker 4>And I also own a mortgage broking business called Zella Money,

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<v Speaker 4>and so that was kind of like my baby that

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<v Speaker 4>I nurtured. When I retired in twenty twenty two, I

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<v Speaker 4>was like, all right, well, I can't step out completely

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<v Speaker 4>of the finance industry. And now, yeah, every single day

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<v Speaker 4>I get people into their first homes, their second homes,

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<v Speaker 4>maybe their fifth homes, and it's so exciting. But I

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<v Speaker 4>guess that's me.

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<v Speaker 1>You really do do it all, and you also have

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<v Speaker 1>a gorgeous baby boy.

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<v Speaker 4>Oh yeah, my personal life yea, do not forget it's

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<v Speaker 4>my work life. But then you on the flip side,

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<v Speaker 4>I have a gorgeous husband called Steve. I have a

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<v Speaker 4>son who is now or thirteen months old, which is crazy,

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<v Speaker 4>and yeah, I've got a beautiful dog and yeah, life

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<v Speaker 4>is good.

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<v Speaker 1>I always do that where I just introduce myself my

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<v Speaker 1>occasional sense.

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<v Speaker 4>Yeah, I'm at work, right so they yeah, you don't.

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<v Speaker 4>I don't know. It's like a job interview. You wouldn't

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<v Speaker 4>go in and be like, so, yeah my husband in

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<v Speaker 4>a job interview. I like kind of separate the two

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<v Speaker 4>and the I'm like, hold on now, this is a

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<v Speaker 4>personal chat.

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<v Speaker 1>No, thank you so much for that. And yes, your

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<v Speaker 1>baby boy is so so sweet. And I love the

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<v Speaker 1>fact that you do it all. And the season that

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<v Speaker 1>we're currently in on the Rise and Concer podcast is

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<v Speaker 1>how to have it all, do it all, be whoever

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<v Speaker 1>you want. And I feel like you very much embody

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<v Speaker 1>that I want to go straight in because, as you know,

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<v Speaker 1>I talk a lot about the energetics and the mindset

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<v Speaker 1>around money and I have always been obsessed with your

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<v Speaker 1>work because you are all about the strategy, You have

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<v Speaker 1>the structures. I obviously believe that you need both, and

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<v Speaker 1>I know when I first kind of saw your work

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<v Speaker 1>and then interviewed you, I was like, oh, wow, no,

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<v Speaker 1>if she does the mindset and energetics like you.

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<v Speaker 4>Really do, I'm also a little bit Delulu.

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<v Speaker 1>You are absolutely Delu, and I think a lot of

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<v Speaker 1>people would be surprised by that because you've got the

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<v Speaker 1>financial business.

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<v Speaker 4>Like on think, I'm just strategy gal.

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<v Speaker 2>Yeah.

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<v Speaker 1>On paper or the first glance, you do look like

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<v Speaker 1>just very that masculine energy, corporate girl, strategy girl.

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<v Speaker 2>And then when I got to know you on a

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<v Speaker 2>deeper level, I was like, oh.

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<v Speaker 4>No, she's just a girl.

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<v Speaker 3>She gets it's the whole thing.

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<v Speaker 1>And so I would love to go straight into that because,

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<v Speaker 1>like I said, my opinion is you really need both.

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<v Speaker 1>I'd love to know your opinion on that.

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<v Speaker 4>It's so funny, right because you obviously do a lot

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<v Speaker 4>about manifesting and I'm obsessed with it, but I'm such

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<v Speaker 4>a like I'm I mean this like juxtaposition position right

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<v Speaker 4>where I love the idea of manifesting, but when you

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<v Speaker 4>really break it down. That's a beautiful mindset, but it's

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<v Speaker 4>not going to work without strategy. So like the mindset

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<v Speaker 4>and the energetics, they are the thing that's going to

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<v Speaker 4>carry you on that journey. But if you don't have

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<v Speaker 4>the strategy, you don't have a roadmap, you don't have

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<v Speaker 4>a plan in place, and all of that energy may

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<v Speaker 4>be wasted. And so we need to create a strategy

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<v Speaker 4>so that you know, if you're manifesting, let's say you're

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<v Speaker 4>dream home, you could have a million Pinterest boards and girl,

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<v Speaker 4>I am the biggest Pinterest you. So like if we

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<v Speaker 4>looked at my app usage, I swear I just scroll

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<v Speaker 4>on there all day being like, oh IP in this

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<v Speaker 4>and I love it. But if you really want to

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<v Speaker 4>create a vision board and bring it to life, we

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<v Speaker 4>need to create a roadmap that helps us get there.

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<v Speaker 4>And it's this concept of if you're looking for something,

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<v Speaker 4>you're more likely to discover it. And I guess that's

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<v Speaker 4>where manifestation fits in for me. You said before, you

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<v Speaker 4>know it's really unexpected that you're into I guess the

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<v Speaker 4>more delulu side of things. But if we take a

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<v Speaker 4>step back, I actually have two psych degrees, so I

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<v Speaker 4>studied psychology as my first degree and my second degree,

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<v Speaker 4>and then realized I didn't really want to be a counselor.

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<v Speaker 4>I didn't want to work in you know, psychology in

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<v Speaker 4>that way. I kind of much preferred the self development

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<v Speaker 4>side of things, which had me fall into a space

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<v Speaker 4>called organizational psychology. And I think the reason I loved

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<v Speaker 4>that was because I went straight into an area called

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<v Speaker 4>culture and engagement. And I also did a lot on

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<v Speaker 4>leadership development, so working with essentially the C suite to

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<v Speaker 4>take them to the next level. And then I realized,

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<v Speaker 4>you know, this is only in hindsight, because you can't

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<v Speaker 4>realize things sometimes in the moment. Just wasn't gelling with me.

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<v Speaker 4>I much preferred doing that with women, and so money

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<v Speaker 4>made sense, right, like money is the key to the kingdom,

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<v Speaker 4>Like money gives you security and freedom and choice, But

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<v Speaker 4>we also need to have the right mindset, because we

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<v Speaker 4>could give you heaps and heaps of money, Georgie. But

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<v Speaker 4>then if you don't have the right mindset, you might

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<v Speaker 4>not do a single thing with it, and you won't

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<v Speaker 4>create the dream life you deserve.

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<v Speaker 1>You won't leverage it, no exchange it, you won't invest,

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<v Speaker 1>you'll be too scared.

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<v Speaker 4>Exactly, you just leave it as this tool that you

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<v Speaker 4>know if you don't. And I talk a lot about

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<v Speaker 4>money stories and really understanding, like, hey, Georgie, why do

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<v Speaker 4>you feel a particular way about this? And you'll go, oh,

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<v Speaker 4>I don't really know. But then if we dive a

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<v Speaker 4>little bit deeper, you go, oh, my goodnurse. All of

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<v Speaker 4>my experiences have meant that.

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<v Speaker 1>My parents said this exactly, this happened to me at

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<v Speaker 1>this moment, I felt stupid with money. So I feel like, I,

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<v Speaker 1>you know, don't'm.

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<v Speaker 4>So silly with it, and so I can't be try

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<v Speaker 4>And you're like, hold on, where's this narrative coming from?

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<v Speaker 4>And why can't we rewrite that? Yes, so I think

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<v Speaker 4>it's a lot about that. And people look at money

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<v Speaker 4>as just a tool, and for the longest time it

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<v Speaker 4>has been a white man's game. It's like, Georgie, we're

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<v Speaker 4>just girls. We don't understand. But at the end of

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<v Speaker 4>the day, who runs the world, Like most of the

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<v Speaker 4>money decisions in a household are made by women, but

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<v Speaker 4>we don't have the power to control that.

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<v Speaker 3>We're taking that back absolutely.

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<v Speaker 1>And also we don't have the tools, we don't have

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<v Speaker 1>the background, the information, and that's why I love that

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<v Speaker 1>you're saying all this, because I'm like, yes, And it's

0:12:39.280 --> 0:12:42.360
<v Speaker 1>so interesting because one of the one of my work girls,

0:12:42.360 --> 0:12:44.560
<v Speaker 1>I was like, I'm gonna go see Victoria. She's on

0:12:44.600 --> 0:12:47.520
<v Speaker 1>the money, and she's like, oh, this is so exciting

0:12:47.559 --> 0:12:50.800
<v Speaker 1>because you guys are like so opposite and I'm like, no,

0:12:50.920 --> 0:12:54.200
<v Speaker 1>actually not, yeah, we actually if you actually listen to

0:12:54.200 --> 0:12:57.000
<v Speaker 1>her content and you know deeper, like we're very similar. Obviously,

0:12:57.160 --> 0:13:00.120
<v Speaker 1>I'm never going to give financial advice because I'm not, but.

0:13:00.320 --> 0:13:03.520
<v Speaker 4>You don't do to talk about mindset and like, yes, Georgie,

0:13:03.600 --> 0:13:06.079
<v Speaker 4>I could sit down and give you, Like let's just

0:13:06.120 --> 0:13:08.880
<v Speaker 4>say we've got somebody. Let's call her Sarah, and we

0:13:08.960 --> 0:13:10.480
<v Speaker 4>sit her down and we go, all right, Sarah, we

0:13:10.520 --> 0:13:12.000
<v Speaker 4>want to change your life. Like, and I think that

0:13:12.080 --> 0:13:14.199
<v Speaker 4>you and I together, we could we could do some

0:13:14.240 --> 0:13:17.760
<v Speaker 4>stuff with Sarah, some really good stuff. But like, let's

0:13:17.840 --> 0:13:19.960
<v Speaker 4>just start with the strategy side of things. I'm gonna

0:13:19.960 --> 0:13:22.120
<v Speaker 4>sit down, I'm gonna give her a proper budget. I'm

0:13:22.120 --> 0:13:27.240
<v Speaker 4>going to give her an investment portfolio plan, really well diversified. Yeah,

0:13:27.320 --> 0:13:29.840
<v Speaker 4>she's not committed, she hasn't got the right mindset, she's

0:13:29.880 --> 0:13:34.280
<v Speaker 4>not on board. She doesn't really, it's usualized her future exactly. Yeah,

0:13:34.440 --> 0:13:37.360
<v Speaker 4>So like you cannot have one without the other. And

0:13:37.400 --> 0:13:39.400
<v Speaker 4>I think so often we think the key to the

0:13:39.480 --> 0:13:41.120
<v Speaker 4>kingdom is going to be, oh my gosh, I'll get

0:13:41.120 --> 0:13:44.280
<v Speaker 4>my budget together one day. Godfriend, get your mindset together,

0:13:44.360 --> 0:13:47.920
<v Speaker 4>because the second you do the budget easy.

0:13:47.640 --> 0:13:48.920
<v Speaker 2>It's easy, it's easy.

0:13:49.000 --> 0:13:53.920
<v Speaker 1>And also, I would argue the mindset needs to come first. Agree,

0:13:54.000 --> 0:13:56.800
<v Speaker 1>because even if you get the budget, or even like

0:13:56.920 --> 0:13:59.840
<v Speaker 1>you get this huge load of cash, but you don't

0:13:59.840 --> 0:14:02.640
<v Speaker 1>have the mindset, you don't have the energetics to hold it,

0:14:03.160 --> 0:14:06.359
<v Speaker 1>you won't make great decisions. And then that will continue

0:14:06.400 --> 0:14:09.440
<v Speaker 1>into your narrative of why you're not good with money

0:14:09.840 --> 0:14:10.280
<v Speaker 1>and so.

0:14:10.559 --> 0:14:13.040
<v Speaker 4>It yeah, and you'll feel constrained by it. So like, yeah,

0:14:13.080 --> 0:14:17.000
<v Speaker 4>you can get your mindset right. Even if you're like V,

0:14:17.320 --> 0:14:19.720
<v Speaker 4>I don't know, I don't earn a lot of money,

0:14:20.000 --> 0:14:22.760
<v Speaker 4>that doesn't matter, because if we can get your mindset

0:14:22.800 --> 0:14:25.920
<v Speaker 4>in alignment and you can get your vision really clear,

0:14:26.160 --> 0:14:27.760
<v Speaker 4>do you know how easy it is to budget When

0:14:27.800 --> 0:14:29.840
<v Speaker 4>you're like, no, I'm making decisions that are aligned with

0:14:29.920 --> 0:14:32.480
<v Speaker 4>my vision and my future self, you don't feel like

0:14:32.520 --> 0:14:36.280
<v Speaker 4>you're compromising. You don't feel like you are being restricted.

0:14:36.560 --> 0:14:38.920
<v Speaker 4>And how often have you heard, Oh, I don't budget,

0:14:38.960 --> 0:14:42.840
<v Speaker 4>it's too restrictive. I'm sorry, restrictive for what? Yeah, like,

0:14:42.880 --> 0:14:45.720
<v Speaker 4>what are we restricting here? Because like, from my perspective,

0:14:45.760 --> 0:14:49.920
<v Speaker 4>I'm helping you build your dream life And that's not restrictive, baby.

0:14:49.760 --> 0:14:54.760
<v Speaker 1>That's empowering exactly. That's incredible. So even let's even touch

0:14:54.800 --> 0:14:58.120
<v Speaker 1>on it. So, like you said, how Icee, manifesting is

0:14:58.160 --> 0:15:02.880
<v Speaker 1>not necessarily like the vision boards the dreaming. That's definitely

0:15:02.960 --> 0:15:06.440
<v Speaker 1>a component, and I love that it's important because most

0:15:06.480 --> 0:15:09.600
<v Speaker 1>of us dream too small, and so that is definitely

0:15:09.600 --> 0:15:12.600
<v Speaker 1>a component. But when I and how I teach manifesting

0:15:12.880 --> 0:15:17.040
<v Speaker 1>is I am not going to talk much or like,

0:15:17.360 --> 0:15:21.880
<v Speaker 1>manifesting isn't the act of doing, It's not the masculine

0:15:21.960 --> 0:15:26.040
<v Speaker 1>act of doing. Manifestation is Okay, here's the vision, here's

0:15:26.080 --> 0:15:30.000
<v Speaker 1>the goal. Who do I need to be in order

0:15:30.080 --> 0:15:32.640
<v Speaker 1>to have that goal? Like, yeah, who is the person

0:15:32.960 --> 0:15:35.880
<v Speaker 1>who has that goal? And I think that's like a misconception.

0:15:36.080 --> 0:15:38.360
<v Speaker 1>And I love that you've already kind of spoken on this,

0:15:38.480 --> 0:15:41.680
<v Speaker 1>but it's like, okay, so that person who does have

0:15:41.800 --> 0:15:44.960
<v Speaker 1>that you know, investment portfolio, who does that what does

0:15:44.960 --> 0:15:47.240
<v Speaker 1>their budget look like, how do they show up?

0:15:47.440 --> 0:15:48.560
<v Speaker 2>You know, who are they being?

0:15:48.680 --> 0:15:52.000
<v Speaker 1>And I think again, when you marry those two, you

0:15:52.120 --> 0:15:57.800
<v Speaker 1>really have the perfect strategy, the perfect embodiment for your

0:15:58.040 --> 0:16:01.720
<v Speaker 1>next level self, who is finance free, who feels so good?

0:16:02.200 --> 0:16:05.640
<v Speaker 1>And I love that you said that when you get

0:16:05.680 --> 0:16:09.640
<v Speaker 1>to a point of marrying both together, you won't.

0:16:09.640 --> 0:16:10.960
<v Speaker 4>Feel to stricted.

0:16:11.560 --> 0:16:14.040
<v Speaker 2>It will feel easy, there's less resistance.

0:16:15.320 --> 0:16:18.120
<v Speaker 4>And I think it's so funny actually because I just

0:16:18.240 --> 0:16:22.320
<v Speaker 4>published an episode on Cheese on the Money that basically

0:16:22.400 --> 0:16:27.800
<v Speaker 4>says that manifestation is bullshit, Andia, I'm so sorry, I'm

0:16:27.840 --> 0:16:28.560
<v Speaker 4>so sorry.

0:16:28.960 --> 0:16:30.200
<v Speaker 3>How could you do that to us?

0:16:30.920 --> 0:16:33.640
<v Speaker 4>It's kind of a big clickbaity because at the end

0:16:33.720 --> 0:16:36.280
<v Speaker 4>of the day, like I think so many people think

0:16:36.360 --> 0:16:38.680
<v Speaker 4>manifesting is just throwing it out to the universe, georgy,

0:16:39.080 --> 0:16:40.920
<v Speaker 4>just throw it out to the I've been asking the universe.

0:16:40.960 --> 0:16:41.640
<v Speaker 4>I think about it.

0:16:41.600 --> 0:16:43.280
<v Speaker 3>All, think about it, and my poorsh appears.

0:16:43.480 --> 0:16:49.560
<v Speaker 4>Yeah, like that's that happens, right, But like manifestation, like properly,

0:16:49.840 --> 0:16:52.000
<v Speaker 4>like if we're going to talk about it, is actually

0:16:52.440 --> 0:16:55.520
<v Speaker 4>you showing up for you, you doing those things and

0:16:55.560 --> 0:16:56.440
<v Speaker 4>putting the work in.

0:16:56.760 --> 0:16:58.320
<v Speaker 3>And I'm bodying that fuelure exactly.

0:16:58.480 --> 0:17:01.640
<v Speaker 4>And sometimes I don't. I don't enjoy when people say, oh,

0:17:01.680 --> 0:17:05.439
<v Speaker 4>I manifested this, because so flippantly it pushes off the

0:17:05.480 --> 0:17:07.359
<v Speaker 4>fact that you worked really hard for this life.

0:17:07.560 --> 0:17:07.840
<v Speaker 3>Yeah.

0:17:08.000 --> 0:17:10.640
<v Speaker 4>Like you know, if you sat with me and we're

0:17:10.680 --> 0:17:13.840
<v Speaker 4>at brunch and I'm talking about something and you say, yeah,

0:17:13.880 --> 0:17:16.119
<v Speaker 4>I manifested my whole life, I'd be like, girlfriend, you

0:17:16.200 --> 0:17:18.880
<v Speaker 4>worked hard for your life. Like I can see how

0:17:18.960 --> 0:17:21.560
<v Speaker 4>much time and energy and effort and alignment you are,

0:17:22.240 --> 0:17:26.600
<v Speaker 4>you know, creating. That's not just manifestation. That's not this.

0:17:26.880 --> 0:17:29.639
<v Speaker 4>And I think that because of TikTok, because of Instagram,

0:17:29.880 --> 0:17:32.879
<v Speaker 4>there's this concept that manifestation is just like maybe you

0:17:32.880 --> 0:17:35.119
<v Speaker 4>should just like do a little meditation Georgie in the

0:17:35.160 --> 0:17:37.320
<v Speaker 4>morning and like tick tick tick, all of a sudden

0:17:37.359 --> 0:17:40.280
<v Speaker 4>your life with you exactly, And that's not it. But

0:17:40.440 --> 0:17:43.159
<v Speaker 4>like that time that you're spending with yourself is the

0:17:43.200 --> 0:17:47.560
<v Speaker 4>clarity to then go and do the strategy because unfortunately,

0:17:48.280 --> 0:17:50.040
<v Speaker 4>no one's going to come riding in on a white

0:17:50.040 --> 0:17:52.520
<v Speaker 4>horse and save you, like you are the one that

0:17:52.640 --> 0:17:54.520
<v Speaker 4>has to do the work, like and if you're not

0:17:54.600 --> 0:17:57.600
<v Speaker 4>going to be showing up for you, who else is

0:17:57.680 --> 0:17:59.760
<v Speaker 4>going to and if you're not going to show up

0:17:59.760 --> 0:18:02.080
<v Speaker 4>for you, why would other people if you're not even

0:18:02.119 --> 0:18:05.880
<v Speaker 4>saying it's a value, So I think it's Yeah, for me, yes,

0:18:05.920 --> 0:18:07.640
<v Speaker 4>it was a little bit click baby, and that's why

0:18:07.640 --> 0:18:09.760
<v Speaker 4>I was like, no, I love manifestation, so small shit,

0:18:10.040 --> 0:18:12.720
<v Speaker 4>but it's also just give yourself more credit, like you're

0:18:12.720 --> 0:18:13.520
<v Speaker 4>doing work.

0:18:13.720 --> 0:18:17.680
<v Speaker 1>Well, that's why we even stopped using the word manifestation

0:18:17.840 --> 0:18:19.120
<v Speaker 1>in our marketing.

0:18:19.280 --> 0:18:22.360
<v Speaker 4>Because it was getting a little bit dululu.

0:18:22.520 --> 0:18:26.040
<v Speaker 1>Well because I like, I started using the word manifesting

0:18:26.160 --> 0:18:28.240
<v Speaker 1>probably five or six years ago when I did my

0:18:28.280 --> 0:18:32.560
<v Speaker 1>original course and that was like before it was trending.

0:18:32.640 --> 0:18:36.080
<v Speaker 4>Because you were talking strategy and that encompass styes.

0:18:35.960 --> 0:18:37.840
<v Speaker 1>And there was like I was like, this is a

0:18:37.960 --> 0:18:43.480
<v Speaker 1>six step formula on how to embody your dream reality,

0:18:43.800 --> 0:18:46.480
<v Speaker 1>which is manifestation because if you look at the dictionary

0:18:46.520 --> 0:18:52.120
<v Speaker 1>example not example, sorry, the dictionary, manifestation is your thoughts.

0:18:51.760 --> 0:18:54.520
<v Speaker 2>And your vision coming into fruition.

0:18:55.200 --> 0:18:59.040
<v Speaker 1>So it made it involves work. It made Yeah, it

0:18:59.119 --> 0:19:02.199
<v Speaker 1>made sense in regards to using that. But now because

0:19:02.240 --> 0:19:07.159
<v Speaker 1>of TikTok, because of social media, I can absolutely understand

0:19:07.280 --> 0:19:10.760
<v Speaker 1>why people don't want to use the word manifestation because

0:19:10.760 --> 0:19:14.320
<v Speaker 1>it discredits and yeah, we honestly stop in using the

0:19:14.359 --> 0:19:16.399
<v Speaker 1>manifestation in some of our marketing.

0:19:16.480 --> 0:19:19.479
<v Speaker 4>It's so important still because I think that that, especially

0:19:19.480 --> 0:19:22.239
<v Speaker 4>when you're stepping more into your feminine energy, like I

0:19:22.320 --> 0:19:24.840
<v Speaker 4>want to be using words like manifestation because I feel

0:19:24.840 --> 0:19:28.800
<v Speaker 4>like it embraces this strategy and process and who I

0:19:28.840 --> 0:19:30.959
<v Speaker 4>really want to be, as opposed to yes, I've got

0:19:31.000 --> 0:19:34.120
<v Speaker 4>a plan, Yes I've got a strategy, like well, no.

0:19:34.840 --> 0:19:38.240
<v Speaker 1>The difference what I would say and why I don't

0:19:38.480 --> 0:19:43.600
<v Speaker 1>use the words like goal setting and smart goals and whatnot,

0:19:43.680 --> 0:19:47.919
<v Speaker 1>even though technically that's what I do, is because I

0:19:47.920 --> 0:19:53.280
<v Speaker 1>guess with my life, I did the masculine version I

0:19:53.320 --> 0:19:56.359
<v Speaker 1>got straight out of high school. I did law because

0:19:56.400 --> 0:19:57.760
<v Speaker 1>it's like that's what I thought I had to do

0:19:57.840 --> 0:20:01.600
<v Speaker 1>in society to be respected and please my parents, and

0:20:01.640 --> 0:20:04.840
<v Speaker 1>I like followed that formula.

0:20:05.000 --> 0:20:06.840
<v Speaker 2>And then when I.

0:20:06.920 --> 0:20:10.560
<v Speaker 1>Started understanding manifestation, when I started using these laws of

0:20:10.600 --> 0:20:14.240
<v Speaker 1>the universe, that's when I really transform my life into

0:20:14.280 --> 0:20:18.320
<v Speaker 1>Georgie who has her own business, who you know, wakes up,

0:20:18.400 --> 0:20:20.800
<v Speaker 1>you know, with her beautiful life and she's on the

0:20:20.800 --> 0:20:23.520
<v Speaker 1>beach and she goes for walks and she has created

0:20:23.560 --> 0:20:27.480
<v Speaker 1>this life that has felt like very much unreal, if

0:20:27.480 --> 0:20:28.320
<v Speaker 1>that makes sense.

0:20:28.800 --> 0:20:30.040
<v Speaker 3>And it wasn't.

0:20:29.800 --> 0:20:34.400
<v Speaker 1>Because I was clear on that life. It was because

0:20:34.800 --> 0:20:38.119
<v Speaker 1>I was like following that feminine side of me. Was

0:20:38.119 --> 0:20:41.160
<v Speaker 1>when I was following the masculine, I got burnt out.

0:20:41.480 --> 0:20:43.840
<v Speaker 2>And but you know me, Like, you know how.

0:20:43.720 --> 0:20:45.800
<v Speaker 1>Hard I work, Like I'm on here in a work trip,

0:20:46.000 --> 0:20:46.800
<v Speaker 1>I'm pregnant.

0:20:47.160 --> 0:20:48.960
<v Speaker 4>You just just getting it done. Yeah, like I would

0:20:48.960 --> 0:20:49.679
<v Speaker 4>love to see it.

0:20:49.920 --> 0:20:52.320
<v Speaker 2>I absolutely do the hard work.

0:20:52.400 --> 0:20:56.159
<v Speaker 1>But yeah, when you marry the two, that is the

0:20:56.280 --> 0:20:59.520
<v Speaker 1>absolute sweet sweet spot. You can't just do one. You

0:20:59.560 --> 0:21:01.840
<v Speaker 1>can't just do the feminine. You can't just do the

0:21:01.880 --> 0:21:06.240
<v Speaker 1>visualization without the strategy, without the doing. Like surely we

0:21:06.280 --> 0:21:07.080
<v Speaker 1>know this by now.

0:21:07.960 --> 0:21:11.560
<v Speaker 4>Yeah, Like I don't know. I find it so interesting

0:21:11.560 --> 0:21:13.960
<v Speaker 4>as well, because there are still we're not saying stop

0:21:14.000 --> 0:21:16.880
<v Speaker 4>being a lawyer and go and do something else. No,

0:21:16.960 --> 0:21:20.080
<v Speaker 4>But like, just because that's the way that has been

0:21:20.119 --> 0:21:22.240
<v Speaker 4>paved before us doesn't mean it's the way that we

0:21:22.320 --> 0:21:25.480
<v Speaker 4>need to continue forward. And I think, yeah, it's just

0:21:25.520 --> 0:21:27.560
<v Speaker 4>so important to start stepping into Well.

0:21:27.480 --> 0:21:30.160
<v Speaker 1>It depends if it's serving you or not. It depends

0:21:30.200 --> 0:21:32.679
<v Speaker 1>if it's like, no, this is who I'm meant to be.

0:21:33.320 --> 0:21:37.719
<v Speaker 1>And if you're honoring that kind of inner you, and

0:21:37.760 --> 0:21:39.800
<v Speaker 1>you're honoring that like inn intuition.

0:21:40.480 --> 0:21:43.040
<v Speaker 3>Because for me, when I wasn't, I got a lot

0:21:43.040 --> 0:21:43.880
<v Speaker 3>of health issues.

0:21:44.000 --> 0:21:46.840
<v Speaker 4>Oh my god, nurse me, you know, learning out, I

0:21:46.880 --> 0:21:51.240
<v Speaker 4>was depressed. I was consistently being like I'm so tired all.

0:21:51.160 --> 0:21:52.200
<v Speaker 3>The so anxious.

0:21:52.520 --> 0:21:56.080
<v Speaker 1>Yeah, yeah, anyway, we round there.

0:21:56.119 --> 0:21:56.960
<v Speaker 3>I love this for us.

0:21:57.080 --> 0:22:00.280
<v Speaker 1>What I want to chat about next is I feel

0:22:00.320 --> 0:22:07.160
<v Speaker 1>like especially women are quite scared and uncomfortable to talk

0:22:07.200 --> 0:22:11.199
<v Speaker 1>about money. Obviously not you, not me, and so me

0:22:12.359 --> 0:22:16.240
<v Speaker 1>please help me so shy and even like I know

0:22:16.440 --> 0:22:19.800
<v Speaker 1>from my content because I'm very transparent. I talk about

0:22:19.800 --> 0:22:22.440
<v Speaker 1>how much my businesses make. I talk about how much

0:22:22.520 --> 0:22:27.399
<v Speaker 1>my car was, and that is very intentional to do

0:22:27.560 --> 0:22:31.159
<v Speaker 1>that because I want other women to see it's not

0:22:31.680 --> 0:22:35.280
<v Speaker 1>showy to talk about money. It's not showy to be,

0:22:36.160 --> 0:22:39.480
<v Speaker 1>you know, talk about the investments you're making or anything

0:22:39.600 --> 0:22:40.080
<v Speaker 1>like that.

0:22:39.960 --> 0:22:43.320
<v Speaker 4>Because it's actually not what's important. Yes, like I've got

0:22:43.320 --> 0:22:47.560
<v Speaker 4>a car costs, but also my life is whole because

0:22:47.560 --> 0:22:48.919
<v Speaker 4>of all of these other things.

0:22:49.240 --> 0:22:53.040
<v Speaker 1>Yes, and also you should never shy away from it,

0:22:53.080 --> 0:22:56.000
<v Speaker 1>because I really believe like men aren't scared to talk

0:22:56.040 --> 0:22:59.680
<v Speaker 1>about money, to talk about the crisis. Yeah, but if

0:22:59.680 --> 0:23:03.480
<v Speaker 1>women do it, it's like, oh, that's yeah, like that's

0:23:03.520 --> 0:23:07.760
<v Speaker 1>Georgie's yeah. And so I think it's very important to

0:23:07.800 --> 0:23:11.760
<v Speaker 1>be so transparent and open because it shows other women

0:23:11.960 --> 0:23:12.640
<v Speaker 1>that it's like.

0:23:13.320 --> 0:23:16.679
<v Speaker 2>You shouldn't be ashamed, you shouldn't feel like this is

0:23:16.680 --> 0:23:17.520
<v Speaker 2>a dirty secret.

0:23:17.520 --> 0:23:20.040
<v Speaker 1>And the more that we are open about it, the

0:23:20.080 --> 0:23:23.879
<v Speaker 1>more women feel comfortable, the more we start playing the game.

0:23:24.320 --> 0:23:25.920
<v Speaker 2>I think that's very very important.

0:23:26.000 --> 0:23:27.000
<v Speaker 3>How do you feel about that?

0:23:27.200 --> 0:23:30.320
<v Speaker 4>Oh, I don't like talking about money, Georgie, Absolutely no.

0:23:30.359 --> 0:23:31.879
<v Speaker 3>I don't have a whole podcast on it.

0:23:32.880 --> 0:23:36.160
<v Speaker 4>But I think it's so important because when women have

0:23:36.240 --> 0:23:39.359
<v Speaker 4>financial literacy, when women have money, women have power. And

0:23:39.400 --> 0:23:42.480
<v Speaker 4>when women have power, we aren't constrained and we rule

0:23:42.520 --> 0:23:47.560
<v Speaker 4>the world exactly like it's it's so funny because the

0:23:47.600 --> 0:23:50.280
<v Speaker 4>more power we get, the more uncomfortable we're making men.

0:23:50.520 --> 0:23:52.440
<v Speaker 4>I know, and they're the ones that are like, oh,

0:23:52.520 --> 0:23:55.480
<v Speaker 4>that's ill, that's gross. I've never met a woman who

0:23:55.560 --> 0:23:58.480
<v Speaker 4>is sure of herself that said what I do is wit.

0:23:59.080 --> 0:24:01.359
<v Speaker 4>I've never I've met men who go, oh, that's a

0:24:01.359 --> 0:24:05.280
<v Speaker 4>bit strange. Aren't you just milking that? A bit much. Yes, Queen,

0:24:05.720 --> 0:24:06.400
<v Speaker 4>Yes I am.

0:24:06.600 --> 0:24:07.400
<v Speaker 3>That's kind of the point.

0:24:07.440 --> 0:24:10.320
<v Speaker 4>It's kind of the point, but I think it's it's

0:24:10.359 --> 0:24:13.320
<v Speaker 4>so interesting as well. But at the same time, we

0:24:13.400 --> 0:24:17.280
<v Speaker 4>need to acknowledge that women do genuinely feel uncomfortable talking

0:24:17.280 --> 0:24:20.480
<v Speaker 4>about money. We can change that. But like you're putting

0:24:20.560 --> 0:24:23.520
<v Speaker 4>women who historically have been told don't talk about money,

0:24:23.560 --> 0:24:25.480
<v Speaker 4>that's ill, don't ask for a pay rise, don't talk

0:24:25.520 --> 0:24:29.159
<v Speaker 4>to your colleagues, And then you're adding things in like trauma,

0:24:29.240 --> 0:24:31.280
<v Speaker 4>what your money story was, so how you grew up

0:24:31.320 --> 0:24:33.439
<v Speaker 4>around money, like Georgie, if you grew up and you

0:24:33.480 --> 0:24:36.400
<v Speaker 4>didn't have a lot of money, you might feel sick

0:24:36.440 --> 0:24:38.600
<v Speaker 4>whenever the topic comes up. You might just you might

0:24:38.640 --> 0:24:40.919
<v Speaker 4>not know why that's happening, but you might get that

0:24:41.000 --> 0:24:43.040
<v Speaker 4>like little not in the bottom of your stomach that

0:24:43.119 --> 0:24:45.320
<v Speaker 4>goes you shouldn't be talking about this. Let's just move

0:24:45.359 --> 0:24:48.880
<v Speaker 4>the conversation because you're feeling uncomfortable, And I actually want

0:24:48.880 --> 0:24:51.200
<v Speaker 4>you to sit with that and ask yourself why, Like

0:24:51.640 --> 0:24:54.320
<v Speaker 4>why do you feel a little bit icky in this situation?

0:24:54.520 --> 0:24:57.800
<v Speaker 4>And that works for anything, right, Like ask yourself and

0:24:57.840 --> 0:25:00.719
<v Speaker 4>your body, like why am I having this response? Like

0:25:00.760 --> 0:25:04.600
<v Speaker 4>for me sometimes responses are fully visceral. I'm like, oh, like,

0:25:05.280 --> 0:25:09.120
<v Speaker 4>how am I feeling this? And I just I want

0:25:09.200 --> 0:25:11.280
<v Speaker 4>you to feel that, because the more you feel that,

0:25:11.440 --> 0:25:14.120
<v Speaker 4>the more you're able to change where you can go

0:25:14.240 --> 0:25:16.720
<v Speaker 4>and what that actually looks like. And then we're adding

0:25:16.720 --> 0:25:19.000
<v Speaker 4>things in like the gender pay gap and all of

0:25:19.040 --> 0:25:21.240
<v Speaker 4>the things that put women behind that for so long

0:25:21.280 --> 0:25:23.920
<v Speaker 4>we've been told it's just the way it is. No,

0:25:24.080 --> 0:25:28.920
<v Speaker 4>it's not, absolutely not, because when women have financial literacy,

0:25:29.119 --> 0:25:31.480
<v Speaker 4>women have power, and when women have power, we don't

0:25:31.480 --> 0:25:36.520
<v Speaker 4>need men great ten out of ten, like we don't

0:25:36.520 --> 0:25:39.400
<v Speaker 4>need it, Like, we just don't need it. And so

0:25:39.760 --> 0:25:42.720
<v Speaker 4>I think when we're talking about money, it's not icky,

0:25:42.840 --> 0:25:44.600
<v Speaker 4>it's not weird. I want to know how much you

0:25:44.640 --> 0:25:46.120
<v Speaker 4>paid for your card? Did you get a good deal?

0:25:46.240 --> 0:25:48.160
<v Speaker 4>Like how did you purchase it? Oh my god, tell

0:25:48.200 --> 0:25:51.480
<v Speaker 4>me about these things, because we should be opening the

0:25:51.560 --> 0:25:55.159
<v Speaker 4>conversation up. Let's talk about finance. Let's talk about your house,

0:25:55.560 --> 0:25:58.680
<v Speaker 4>like we also could be talking about these things without

0:25:58.760 --> 0:26:02.480
<v Speaker 4>putting a dollar sign on it and having productive conversation

0:26:03.000 --> 0:26:07.280
<v Speaker 4>like is it not helpful even if you don't own

0:26:07.320 --> 0:26:09.679
<v Speaker 4>a property right now and aren't in the position to

0:26:09.800 --> 0:26:13.800
<v Speaker 4>understand how that process works, like, I want to know, Hey, Victoria,

0:26:13.880 --> 0:26:16.560
<v Speaker 4>how did you purchase your first home? Okay, cool? I

0:26:16.600 --> 0:26:18.439
<v Speaker 4>saved up a deposit with my husband, and it was

0:26:18.480 --> 0:26:20.520
<v Speaker 4>one of the hardest things we ever did. We got

0:26:20.520 --> 0:26:24.800
<v Speaker 4>into our first home. Then okay, let's talk about my second. Okay, cool,

0:26:24.840 --> 0:26:27.719
<v Speaker 4>that one was easier because it's always the first step,

0:26:28.119 --> 0:26:30.680
<v Speaker 4>Like the first one hundred thousand dollars that you save

0:26:30.840 --> 0:26:33.240
<v Speaker 4>or invest is always going to be the hardest, because

0:26:33.280 --> 0:26:37.080
<v Speaker 4>after that stage you can leverage. Great, I've got some equity.

0:26:37.119 --> 0:26:39.280
<v Speaker 4>I'm going to buy another property. Great, I've got some

0:26:39.880 --> 0:26:42.840
<v Speaker 4>rental income. I can do this. Like, I want you

0:26:43.160 --> 0:26:45.959
<v Speaker 4>to have all of the tools and resources, Georgie, so

0:26:46.080 --> 0:26:48.680
<v Speaker 4>that there's no surprises along your journey. You might be

0:26:48.760 --> 0:26:51.560
<v Speaker 4>at the very start, you might be in oodles of debt.

0:26:52.160 --> 0:26:55.520
<v Speaker 4>I actually don't care. I think you deserve the same

0:26:55.600 --> 0:27:00.239
<v Speaker 4>level of financial literacy as someone with multiple millions like.

0:27:00.400 --> 0:27:02.359
<v Speaker 4>You deserve that, and I want to give that to

0:27:02.480 --> 0:27:05.320
<v Speaker 4>you because even if you're in debt and you start

0:27:05.359 --> 0:27:08.840
<v Speaker 4>getting out of debt, isn't it beautiful to know that

0:27:09.200 --> 0:27:12.000
<v Speaker 4>you're doing that for you and the second that debt's gone,

0:27:12.359 --> 0:27:15.240
<v Speaker 4>that's power. Let's calculate what that could look like in

0:27:15.240 --> 0:27:17.760
<v Speaker 4>an investment. Let's calculate what that could look like in

0:27:17.760 --> 0:27:20.760
<v Speaker 4>a home deposit to actually give you back the power.

0:27:21.320 --> 0:27:24.720
<v Speaker 4>But I think with social media, with everything that is

0:27:24.760 --> 0:27:28.080
<v Speaker 4>going on, we are in a position where we just

0:27:28.200 --> 0:27:31.560
<v Speaker 4>consistently feel like we are not enough. And as women,

0:27:31.760 --> 0:27:34.439
<v Speaker 4>we are hardwired to think that we always have to

0:27:34.480 --> 0:27:36.920
<v Speaker 4>do better and that the next person has it better.

0:27:37.280 --> 0:27:39.439
<v Speaker 4>The grass isn't greener, the grass is green where you

0:27:39.480 --> 0:27:42.560
<v Speaker 4>water it. You need to be focusing on you, not

0:27:42.680 --> 0:27:45.120
<v Speaker 4>on what somebody else is doing. But we can learn

0:27:45.160 --> 0:27:46.080
<v Speaker 4>from them along the way.

0:27:47.240 --> 0:27:52.480
<v Speaker 1>And I think it's even simple things like I my

0:27:52.640 --> 0:27:56.320
<v Speaker 1>parents were very open about money and talking about it,

0:27:56.320 --> 0:27:59.199
<v Speaker 1>but there always was kind of that lack story and

0:27:59.240 --> 0:28:00.960
<v Speaker 1>it was kind of like, you know, oh, we're not

0:28:01.000 --> 0:28:03.119
<v Speaker 1>people that go to UNI, We're not people that.

0:28:03.520 --> 0:28:05.080
<v Speaker 2>Invest in that sort of story.

0:28:05.160 --> 0:28:10.080
<v Speaker 1>So when I started accumulating more wealth and being like, Okay,

0:28:10.119 --> 0:28:10.879
<v Speaker 1>well what do I do with.

0:28:11.400 --> 0:28:13.520
<v Speaker 4>My mum, because like that's not part of the journey.

0:28:13.640 --> 0:28:15.960
<v Speaker 1>Yeah, they like and they didn't, you know, they bought

0:28:16.040 --> 0:28:19.800
<v Speaker 1>property and I have followed somewhat in that, but I

0:28:19.840 --> 0:28:21.960
<v Speaker 1>was like, oh, I'm sure there's like other things I

0:28:22.000 --> 0:28:25.840
<v Speaker 1>can do, and so when I started looking into it,

0:28:25.840 --> 0:28:28.760
<v Speaker 1>it did feel very overwhelming and it felt like.

0:28:29.200 --> 0:28:31.080
<v Speaker 4>Is this like a little secret for you?

0:28:31.400 --> 0:28:31.680
<v Speaker 3>Yeah?

0:28:31.840 --> 0:28:33.560
<v Speaker 2>Is this a little secret that everyone else knows that

0:28:33.680 --> 0:28:34.560
<v Speaker 2>I don't know?

0:28:34.920 --> 0:28:38.120
<v Speaker 1>And so I've really found you know, your books and

0:28:38.160 --> 0:28:40.600
<v Speaker 1>your podcast so helpful because I'm like, oh, it's actually

0:28:40.960 --> 0:28:43.600
<v Speaker 1>so simple and like really simple stuff Like my first

0:28:43.640 --> 0:28:47.800
<v Speaker 1>couple of cars, I actually just like bought outright cash.

0:28:47.360 --> 0:28:50.680
<v Speaker 4>And I did the same thing. And then I like really,

0:28:50.840 --> 0:28:55.360
<v Speaker 4>so you're like, actually, that's maybe not the smartest financial DECISIONY.

0:28:54.760 --> 0:28:56.560
<v Speaker 1>Could have, you know, bought a couple of houses at

0:28:56.560 --> 0:28:59.480
<v Speaker 1>this point, but sure, and even like before the boom.

0:28:59.240 --> 0:29:02.480
<v Speaker 4>But it also feels so good to do that.

0:29:02.920 --> 0:29:05.000
<v Speaker 2>Yes right, and pay something out right and be like

0:29:05.120 --> 0:29:05.640
<v Speaker 2>I own this.

0:29:05.960 --> 0:29:07.320
<v Speaker 4>I don't have dat.

0:29:07.480 --> 0:29:08.480
<v Speaker 2>I was so scared of debt.

0:29:09.040 --> 0:29:10.080
<v Speaker 3>Now I have lots of debt.

0:29:10.200 --> 0:29:12.800
<v Speaker 1>And it was then being like, oh, I can actually

0:29:12.840 --> 0:29:15.280
<v Speaker 1>buy a car through my business, and then I can

0:29:15.360 --> 0:29:17.560
<v Speaker 1>have alone, and then I can then use that cash

0:29:17.640 --> 0:29:20.000
<v Speaker 1>for something else. Then I can leverage that, and then

0:29:20.000 --> 0:29:21.800
<v Speaker 1>I can use the equity in my first house and

0:29:22.160 --> 0:29:26.840
<v Speaker 1>all those things which I literally had no idea. And then,

0:29:27.000 --> 0:29:30.360
<v Speaker 1>especially as a woman in business, a woman with wealth.

0:29:30.600 --> 0:29:34.960
<v Speaker 1>But the first generation it had at the start felt

0:29:34.960 --> 0:29:38.000
<v Speaker 1>like so much pressure because it wasn't spoken about. So

0:29:38.040 --> 0:29:42.280
<v Speaker 1>I think it's so important to have people like you

0:29:42.360 --> 0:29:44.880
<v Speaker 1>and me be very open about it and.

0:29:44.880 --> 0:29:47.480
<v Speaker 4>Be like, here's how it can work, and this is

0:29:47.520 --> 0:29:49.200
<v Speaker 4>how we've done it, and you'll give you the blue

0:29:49.280 --> 0:29:50.600
<v Speaker 4>cree this way exactly.

0:29:50.640 --> 0:29:52.719
<v Speaker 1>You can, you know, figure it out, but here's how

0:29:52.760 --> 0:29:55.440
<v Speaker 1>I did it. And it doesn't have to feel so stressful,

0:29:55.440 --> 0:29:59.240
<v Speaker 1>and it doesn't have to feel like for me, sorry,

0:29:59.320 --> 0:29:59.840
<v Speaker 1>money used to.

0:29:59.800 --> 0:30:01.280
<v Speaker 3>Feel a life or death situation.

0:30:01.640 --> 0:30:05.160
<v Speaker 4>Yeah, like it used to feel so critical it is

0:30:05.280 --> 0:30:06.720
<v Speaker 4>at that stage.

0:30:06.480 --> 0:30:10.520
<v Speaker 1>Yes, and that really disregulated me and made me kind

0:30:10.560 --> 0:30:13.440
<v Speaker 1>of make some very interesting decisions that now i'd probably

0:30:13.520 --> 0:30:15.720
<v Speaker 1>go back and do differently. But again, you don't know

0:30:15.760 --> 0:30:17.640
<v Speaker 1>what you don't know, and so that's why I think

0:30:17.640 --> 0:30:19.080
<v Speaker 1>it's what you needed, because that was.

0:30:19.080 --> 0:30:21.320
<v Speaker 4>Part of your journey, right, Like I think we look

0:30:21.400 --> 0:30:24.720
<v Speaker 4>back and go, I wish I did that differently totally. Yeah,

0:30:24.720 --> 0:30:27.440
<v Speaker 4>But also what did you learn? Like, what did you

0:30:27.480 --> 0:30:29.959
<v Speaker 4>get out of that? Because Georgie, I think a very

0:30:30.040 --> 0:30:33.200
<v Speaker 4>big part of my money story is that way back

0:30:33.240 --> 0:30:35.760
<v Speaker 4>when I was working in psychology I got into forty

0:30:35.840 --> 0:30:40.840
<v Speaker 4>thousand dollars worth of consumer debt, personal loan credit card.

0:30:41.240 --> 0:30:43.400
<v Speaker 4>I was so good at it, it was like a game.

0:30:44.240 --> 0:30:47.720
<v Speaker 4>But that didn't serve me. And if I hid that,

0:30:47.800 --> 0:30:50.760
<v Speaker 4>because for a very long time, I was super embarrassed

0:30:50.800 --> 0:30:53.000
<v Speaker 4>of that, like oh my goodnurse, Like I did not

0:30:53.000 --> 0:30:57.160
<v Speaker 4>feel good about that. That doesn't serve other people. And

0:30:57.240 --> 0:30:59.800
<v Speaker 4>me sharing that part of my narrative, that part of

0:30:59.840 --> 0:31:03.120
<v Speaker 4>my journey. It's not because I'm super proud of it.

0:31:03.120 --> 0:31:05.680
<v Speaker 4>It's because I know that that helps you. And I

0:31:05.760 --> 0:31:08.680
<v Speaker 4>know that that's the reality. It's the reality of the situation.

0:31:08.920 --> 0:31:10.840
<v Speaker 4>And I got myself out of that. And if I

0:31:10.880 --> 0:31:12.840
<v Speaker 4>can do it, and I don't think I'm that smart,

0:31:12.880 --> 0:31:14.800
<v Speaker 4>if I can do it, I can absolutely teach you

0:31:14.840 --> 0:31:16.240
<v Speaker 4>to do it, and then you could do it, and

0:31:16.240 --> 0:31:18.240
<v Speaker 4>then you could teach your friends and family to do it,

0:31:18.280 --> 0:31:21.520
<v Speaker 4>and we could all be a lot more comfortable. Because

0:31:21.560 --> 0:31:25.040
<v Speaker 4>when money comes together with your vision and what you

0:31:25.080 --> 0:31:28.080
<v Speaker 4>want to create and you have alignment, there's so much

0:31:28.120 --> 0:31:31.680
<v Speaker 4>power there, like, let's do that. Let's marry those two things.

0:31:32.000 --> 0:31:34.440
<v Speaker 4>Because when I go back and look at that person

0:31:34.480 --> 0:31:36.920
<v Speaker 4>who got into forty thousand dollars worth of consumer debt.

0:31:37.200 --> 0:31:41.000
<v Speaker 4>She didn't know who she wanted to be. She was here, there, everywhere.

0:31:41.080 --> 0:31:43.640
<v Speaker 4>She was just trying to be someone that she wasn't

0:31:43.680 --> 0:31:47.240
<v Speaker 4>sure who that was and what that looked like. Now

0:31:47.240 --> 0:31:49.479
<v Speaker 4>I know, I'm like, oh, that's fine. I don't care

0:31:49.520 --> 0:31:53.840
<v Speaker 4>where my stuff's from. Sometimes I'm like, I just don't

0:31:53.880 --> 0:31:56.560
<v Speaker 4>need that level of validation. And that's what I was

0:31:56.600 --> 0:31:57.920
<v Speaker 4>searching for without knowing it.

0:32:00.920 --> 0:32:01.760
<v Speaker 3>I even love what.

0:32:01.720 --> 0:32:05.320
<v Speaker 1>You touched on about not feeling smart enough and not

0:32:05.360 --> 0:32:08.120
<v Speaker 1>feeling like good with money because of previous decisions. And

0:32:08.160 --> 0:32:13.040
<v Speaker 1>that's even why I am very intentional about talking about

0:32:13.120 --> 0:32:18.800
<v Speaker 1>money while being the manifesting girl on Instagram, because I'm like, no, babes,

0:32:18.840 --> 0:32:19.680
<v Speaker 1>the money isn't.

0:32:19.520 --> 0:32:23.680
<v Speaker 2>Just for the Victoria's the Jack's over there. I can

0:32:23.840 --> 0:32:25.800
<v Speaker 2>be a super you.

0:32:25.680 --> 0:32:28.200
<v Speaker 1>Know, we would talking about this off air, but like

0:32:28.480 --> 0:32:31.800
<v Speaker 1>the de Lulu girl on Instagram who goes off, who

0:32:31.920 --> 0:32:36.840
<v Speaker 1>is financially very savvy, who not only has the mindset

0:32:37.200 --> 0:32:41.440
<v Speaker 1>but has the financial advisor looks for, Okay, what do

0:32:41.480 --> 0:32:43.720
<v Speaker 1>I want to do with my money? Because I never

0:32:43.800 --> 0:32:47.080
<v Speaker 1>want women to think or if you're a bit we were,

0:32:47.240 --> 0:32:49.840
<v Speaker 1>or if you're a bit like a stay at home mum.

0:32:49.920 --> 0:32:53.200
<v Speaker 4>Or you're creative, so therefore you can't be good at fine.

0:32:53.160 --> 0:32:54.760
<v Speaker 1>Yah, you can't be good at money. And I think

0:32:54.800 --> 0:32:59.240
<v Speaker 1>it's really important to make everyone.

0:32:58.840 --> 0:33:00.960
<v Speaker 4>Feel every mud at it right.

0:33:00.800 --> 0:33:04.920
<v Speaker 1>With money, not just the you know, the women who

0:33:04.960 --> 0:33:08.560
<v Speaker 1>went to university exactly or feel like they have a place.

0:33:09.000 --> 0:33:12.400
<v Speaker 1>And that's why I think there's such a conversation for it,

0:33:12.480 --> 0:33:17.400
<v Speaker 1>because I'm like, no, you can absolutely be whoever you

0:33:17.440 --> 0:33:19.480
<v Speaker 1>want to be and still have a place at the

0:33:19.480 --> 0:33:20.720
<v Speaker 1>table to talk about money.

0:33:20.840 --> 0:33:23.160
<v Speaker 4>Yeah, one hundred percent. And I think it's it's so

0:33:23.240 --> 0:33:26.200
<v Speaker 4>funny you say that because I had three Uni degrees

0:33:26.240 --> 0:33:29.080
<v Speaker 4>and still got into that forty thousand dollars worth of debt.

0:33:29.360 --> 0:33:31.520
<v Speaker 4>So it's got nothing to do with like your education,

0:33:31.640 --> 0:33:34.360
<v Speaker 4>it really doesn't. I compared it on the podcast a

0:33:34.400 --> 0:33:36.920
<v Speaker 4>little while ago, or on my podcast, sorry a little

0:33:36.920 --> 0:33:39.959
<v Speaker 4>while ago to going to France. So like, Georgie, if

0:33:39.960 --> 0:33:42.480
<v Speaker 4>I picked you up and we went to France tomorrow,

0:33:42.960 --> 0:33:45.920
<v Speaker 4>can you speak French? Probably not? We know, like a

0:33:45.920 --> 0:33:49.120
<v Speaker 4>few keywords like I could say bonjour, I could you know?

0:33:49.360 --> 0:33:52.520
<v Speaker 4>So we I know I want to order a panicial plant.

0:33:52.640 --> 0:33:57.200
<v Speaker 4>Like that's the limit of my knowledge, right, that's finance.

0:33:57.880 --> 0:34:00.560
<v Speaker 4>The longer we spend in France, the more we are

0:34:00.560 --> 0:34:02.520
<v Speaker 4>going to be comfortable with the language and we're going

0:34:02.600 --> 0:34:04.800
<v Speaker 4>to pick up things here and there. But if we're

0:34:04.800 --> 0:34:08.760
<v Speaker 4>not spending time in France, why would you know about it. Also,

0:34:09.239 --> 0:34:11.319
<v Speaker 4>it's not in our school system, it's not in our

0:34:11.440 --> 0:34:14.760
<v Speaker 4>university system. It is not your employer's job to educate

0:34:14.800 --> 0:34:17.920
<v Speaker 4>you on this thing. This is a topic that essentially,

0:34:18.000 --> 0:34:20.680
<v Speaker 4>if you don't have the education and you didn't seek

0:34:20.719 --> 0:34:23.040
<v Speaker 4>it out yourself, how would you know how to speak French.

0:34:23.600 --> 0:34:26.239
<v Speaker 4>You don't just wake up and know how to do it. Like,

0:34:26.320 --> 0:34:28.560
<v Speaker 4>it's not because you're not smart, it's because you just

0:34:28.560 --> 0:34:32.040
<v Speaker 4>don't have exposure. Let me give you exposure, because of

0:34:32.120 --> 0:34:34.960
<v Speaker 4>course you're going to speak terrible French if you've never

0:34:35.040 --> 0:34:39.279
<v Speaker 4>done it before. But that's why I made terrible financial

0:34:39.320 --> 0:34:44.319
<v Speaker 4>decisions that ultimately I judged myself on and I put

0:34:44.320 --> 0:34:47.239
<v Speaker 4>myself in the corner and was basically like, oh my goodness, like,

0:34:47.280 --> 0:34:49.680
<v Speaker 4>I'm the worst at money, I can't be trusted, I'm

0:34:49.680 --> 0:34:51.360
<v Speaker 4>never going to own my first home. And these are

0:34:51.360 --> 0:34:55.400
<v Speaker 4>all narratives that I was telling myself shift that I

0:34:55.440 --> 0:34:58.239
<v Speaker 4>got out of debt. Girl, you can too, like you

0:34:58.400 --> 0:35:01.960
<v Speaker 4>literally can. If I can, I promise you it's not

0:35:02.040 --> 0:35:05.560
<v Speaker 4>that hard being in debt and not being able to

0:35:05.719 --> 0:35:09.120
<v Speaker 4>quote be good at money. It's not forever. In fact,

0:35:09.120 --> 0:35:11.640
<v Speaker 4>it just means you spent more than you won't full stop,

0:35:11.719 --> 0:35:13.640
<v Speaker 4>end of story. Do you want to fix that? Let

0:35:13.640 --> 0:35:16.080
<v Speaker 4>me help you, And if we can get your mindset

0:35:16.160 --> 0:35:19.600
<v Speaker 4>and your energetics in alignment, it will feel so easy.

0:35:19.880 --> 0:35:22.279
<v Speaker 4>It'll feel like you were meant to be doing this

0:35:22.360 --> 0:35:23.160
<v Speaker 4>the whole time.

0:35:23.440 --> 0:35:24.880
<v Speaker 3>And don't make it mean something.

0:35:25.040 --> 0:35:27.439
<v Speaker 1>So just because you are in debt, it doesn't mean

0:35:27.520 --> 0:35:30.840
<v Speaker 1>you're bad with money one percent. You made previous choices,

0:35:30.880 --> 0:35:32.440
<v Speaker 1>but you can always make new choices.

0:35:32.480 --> 0:35:34.080
<v Speaker 3>You can always be that new person.

0:35:33.960 --> 0:35:37.439
<v Speaker 4>One hundred percent, and money does not define who you are.

0:35:38.040 --> 0:35:40.520
<v Speaker 3>Like I do not the least interesting thing about you.

0:35:40.640 --> 0:35:42.680
<v Speaker 4>I do not care if you're a billionaire or you're

0:35:42.680 --> 0:35:45.000
<v Speaker 4>in a billion dollars worth of debt. Are you kind?

0:35:45.320 --> 0:35:47.920
<v Speaker 4>Are you nice? Are you somebody that I would invite

0:35:47.960 --> 0:35:50.520
<v Speaker 4>around for having a little wine on the couch with

0:35:50.600 --> 0:35:53.080
<v Speaker 4>me and my husband. That's the type of person I

0:35:53.120 --> 0:35:56.040
<v Speaker 4>want to know. I don't care about your finances, but

0:35:56.080 --> 0:35:58.960
<v Speaker 4>I care about you as a person. So therefore, by extension,

0:35:59.160 --> 0:36:01.040
<v Speaker 4>I want you to be good money because I know

0:36:01.239 --> 0:36:03.160
<v Speaker 4>how good that can make you feel. I know how

0:36:03.239 --> 0:36:06.880
<v Speaker 4>much power that gives you. I want that for you absolutely,

0:36:06.920 --> 0:36:09.560
<v Speaker 4>and I really really do. But do I judge you

0:36:09.600 --> 0:36:12.279
<v Speaker 4>if you're in debt? No? No, Also, who has the

0:36:12.320 --> 0:36:14.719
<v Speaker 4>time for that. Nobody doing more than you is ever

0:36:14.760 --> 0:36:17.800
<v Speaker 4>going to think less of you, and you right now

0:36:18.080 --> 0:36:20.600
<v Speaker 4>probably think less of you because of that. Just put

0:36:20.600 --> 0:36:23.600
<v Speaker 4>that in the mid for that's a problem that yesterday

0:36:23.640 --> 0:36:26.360
<v Speaker 4>you had. Today we're just honoring the fact that I

0:36:26.400 --> 0:36:28.719
<v Speaker 4>am kind, I'm nice, I am exactly where I need

0:36:28.760 --> 0:36:31.520
<v Speaker 4>to be, and there must be something that I'm learning

0:36:31.640 --> 0:36:34.320
<v Speaker 4>from this journey of being in debt. Let's try and

0:36:34.360 --> 0:36:35.480
<v Speaker 4>embrace that side of it.

0:36:35.680 --> 0:36:38.440
<v Speaker 3>Yeah, what's the lesson? Who do I want to be

0:36:38.480 --> 0:36:38.880
<v Speaker 3>moving for?

0:36:39.239 --> 0:36:42.560
<v Speaker 4>Exactly? And sometimes you have to take like fifty steps

0:36:42.560 --> 0:36:45.279
<v Speaker 4>back to be able to take one hundred forward and

0:36:45.320 --> 0:36:47.480
<v Speaker 4>it doesn't feel good. But I promise there's a light

0:36:47.520 --> 0:36:48.520
<v Speaker 4>at the end of the tunnel.

0:36:48.719 --> 0:36:52.600
<v Speaker 1>Yeah, And like, no one's journey is linear. It's no,

0:36:52.880 --> 0:36:54.880
<v Speaker 1>it's never gonna look like that. Like, I love that

0:36:54.960 --> 0:36:57.160
<v Speaker 1>you share that past version of you, because I think

0:36:57.200 --> 0:37:00.120
<v Speaker 1>it's very important people be like Oh okay, Victoria's it's

0:37:00.160 --> 0:37:00.600
<v Speaker 1>not perfect.

0:37:00.680 --> 0:37:01.680
<v Speaker 3>Look what she's created.

0:37:01.760 --> 0:37:04.439
<v Speaker 4>I can do it too, exactly. And if I don't

0:37:04.480 --> 0:37:07.719
<v Speaker 4>share that, how would we know that this stuff is

0:37:07.760 --> 0:37:09.240
<v Speaker 4>a reality exactly?

0:37:10.040 --> 0:37:10.359
<v Speaker 3>All right?

0:37:10.480 --> 0:37:13.480
<v Speaker 1>So in our previous podcast we did talk about budgeting

0:37:13.480 --> 0:37:16.320
<v Speaker 1>and property. I remember and I will link the previous podcast.

0:37:16.400 --> 0:37:18.960
<v Speaker 1>But also, I'm sure you have so much updated information

0:37:19.040 --> 0:37:20.600
<v Speaker 1>on your podcast, so we can.

0:37:20.480 --> 0:37:22.719
<v Speaker 4>Just go if you want a budget, our friend, this

0:37:22.760 --> 0:37:25.000
<v Speaker 4>is not the episode. I have a free one on

0:37:25.080 --> 0:37:27.560
<v Speaker 4>my website. Go download it. You absolutely should do it.

0:37:27.600 --> 0:37:30.200
<v Speaker 4>Go listen to the other episode. Go listen to my podcast.

0:37:30.400 --> 0:37:33.080
<v Speaker 4>That's fantastic. We're just talking about the energies, the vibes,

0:37:33.120 --> 0:37:35.359
<v Speaker 4>that making sure we're on the right track. We're talking

0:37:35.400 --> 0:37:38.440
<v Speaker 4>about anisolu station, all of the funner stuff.

0:37:38.960 --> 0:37:40.680
<v Speaker 3>Well not flu because now we're going to get into her.

0:37:40.880 --> 0:37:45.920
<v Speaker 4>Right, take that back. So I'll make it fun. We'll

0:37:45.960 --> 0:37:47.400
<v Speaker 4>make it fun. Frame it.

0:37:47.400 --> 0:37:48.879
<v Speaker 2>It's us, so it's going to be fun.

0:37:49.480 --> 0:37:52.440
<v Speaker 1>So I loved your id reel where you said a

0:37:52.560 --> 0:37:56.240
<v Speaker 1>five dollars a day spend, which is eighteen hundred twenty

0:37:56.280 --> 0:37:59.920
<v Speaker 1>five a year, sorry, eight and twenty five dollars a year.

0:38:00.640 --> 0:38:03.919
<v Speaker 1>Five dollars a day invested is seventy thousand a year.

0:38:04.160 --> 0:38:06.879
<v Speaker 1>Investing in shares is something a lot of women want

0:38:06.920 --> 0:38:10.080
<v Speaker 1>to do, but they feel intimidated by. I love this

0:38:10.160 --> 0:38:12.719
<v Speaker 1>so much because I started investing in shares maybe three

0:38:12.800 --> 0:38:14.000
<v Speaker 1>years ago, and.

0:38:13.920 --> 0:38:16.200
<v Speaker 4>I remember was starting and I was like, it's not

0:38:16.280 --> 0:38:18.759
<v Speaker 4>that hard. I promise, go and see an advisor, do this,

0:38:20.600 --> 0:38:22.920
<v Speaker 4>And I wanted to be your advisor so bad, but

0:38:22.960 --> 0:38:26.280
<v Speaker 4>I was like stepping out of being a financial advice.

0:38:26.280 --> 0:38:28.080
<v Speaker 4>You found a good one, You're okay. I did. I

0:38:28.080 --> 0:38:30.759
<v Speaker 4>found a good one, you found a good, great recommendation, And.

0:38:30.719 --> 0:38:34.680
<v Speaker 1>So I felt so intimidated, and I think I also

0:38:34.840 --> 0:38:38.520
<v Speaker 1>had some weird stories. I remember my dad being like, oh,

0:38:38.560 --> 0:38:41.800
<v Speaker 1>my friend had you know, three hundred grand in stocks

0:38:41.840 --> 0:38:45.319
<v Speaker 1>and then like everything, yeah, and like the what's it

0:38:45.360 --> 0:38:49.200
<v Speaker 1>called the g Global financial crisis happened in eight everybody

0:38:49.239 --> 0:38:53.440
<v Speaker 1>lost everything. Yes, and so they're hairy though they ask yes,

0:38:53.760 --> 0:38:56.360
<v Speaker 1>and I'm like, that's around it. But I was always like, oh, shares,

0:38:56.400 --> 0:39:00.120
<v Speaker 1>that's it's too unpredictable, it's too volatile, but.

0:39:00.160 --> 0:39:00.959
<v Speaker 4>How you got on today?

0:39:01.640 --> 0:39:05.440
<v Speaker 1>Like oh wow, it's really I forget, and like I

0:39:05.520 --> 0:39:07.160
<v Speaker 1>just then I was like sometimes I'm like Oh yeah,

0:39:07.160 --> 0:39:08.719
<v Speaker 1>I've got all that money in shares, Like how cool.

0:39:09.120 --> 0:39:10.840
<v Speaker 1>I really want to talk about it, because again, I

0:39:10.840 --> 0:39:14.360
<v Speaker 1>feel like it's not something women like a global financial crisis.

0:39:15.040 --> 0:39:18.760
<v Speaker 4>We could do a whole podcast on that. Let's not fine,

0:39:18.880 --> 0:39:21.600
<v Speaker 4>I'll do it. There, you do it and link it

0:39:21.640 --> 0:39:24.440
<v Speaker 4>to me. But yeah, let's talk about investing. Yeah, and

0:39:24.480 --> 0:39:27.960
<v Speaker 4>so we can get into it. Investing is so fliping sexy,

0:39:28.640 --> 0:39:31.680
<v Speaker 4>And the reason I love talking about it is it

0:39:32.160 --> 0:39:35.840
<v Speaker 4>is because it's so accessible, Like you can now today

0:39:36.120 --> 0:39:38.719
<v Speaker 4>invest for as little as one cent, Like you don't

0:39:38.760 --> 0:39:40.919
<v Speaker 4>need a lot of money to begin, You can buy

0:39:40.960 --> 0:39:43.359
<v Speaker 4>shares for as little as one cent, and that is

0:39:43.480 --> 0:39:47.040
<v Speaker 4>flipping cool vibe. Oh so cool. Because when I started

0:39:47.040 --> 0:39:50.160
<v Speaker 4>my financial advice like career, you couldn't do that. You

0:39:50.239 --> 0:39:53.080
<v Speaker 4>needed a minimum of at least five hundred dollars to start,

0:39:53.200 --> 0:39:55.560
<v Speaker 4>and for a lot of people that's their entire life savings,

0:39:55.600 --> 0:39:57.200
<v Speaker 4>and they're like, well, I'm not willing to put that in.

0:39:57.680 --> 0:40:00.840
<v Speaker 4>Whereas now you can start small and be considered to

0:40:00.960 --> 0:40:02.840
<v Speaker 4>zoom a little bit further out and touch on the

0:40:02.880 --> 0:40:05.960
<v Speaker 4>fact that you know your dad's brother's friend's dog said

0:40:06.120 --> 0:40:08.800
<v Speaker 4>that you know you'll lose everything look what happened to

0:40:08.840 --> 0:40:12.800
<v Speaker 4>the global financial crisis. Most people during the Global financial

0:40:12.800 --> 0:40:15.960
<v Speaker 4>crisis lost all of their money because they freaked out.

0:40:16.400 --> 0:40:19.040
<v Speaker 4>So during your lifetime, Georgie, you're going to see a

0:40:19.160 --> 0:40:23.040
<v Speaker 4>minimum of seven market dips. That is seven times that

0:40:23.120 --> 0:40:26.000
<v Speaker 4>your share portfolio is going to look so disgusting to

0:40:26.040 --> 0:40:27.600
<v Speaker 4>look at. You're going to look at it. And the

0:40:27.640 --> 0:40:30.799
<v Speaker 4>bigger your portfolio gets, the worse it feels. Because you're

0:40:30.800 --> 0:40:32.239
<v Speaker 4>going to log in one day and it will say

0:40:32.280 --> 0:40:35.960
<v Speaker 4>you've lost thousands of dollars. But that feels like trash,

0:40:36.080 --> 0:40:38.560
<v Speaker 4>right But at the end of the day, that's not

0:40:38.640 --> 0:40:42.480
<v Speaker 4>money you've lost. That is money that is still invested.

0:40:42.920 --> 0:40:46.200
<v Speaker 4>But right now, if you'd sold those shares, that's what

0:40:46.239 --> 0:40:48.840
<v Speaker 4>you would be accepting for it. We don't accept that.

0:40:49.200 --> 0:40:51.960
<v Speaker 4>We wait, we ride the wave back up, and we

0:40:52.080 --> 0:40:56.160
<v Speaker 4>consistently ride the wave. Because anybody in Australia who has

0:40:56.160 --> 0:40:59.240
<v Speaker 4>been invested in the Australian share market for a minimum

0:40:59.239 --> 0:41:04.359
<v Speaker 4>period of third years, Georgie hasn't ever lost money. Isn't

0:41:04.360 --> 0:41:06.919
<v Speaker 4>that wild to think about. So it's a long term game,

0:41:07.320 --> 0:41:10.400
<v Speaker 4>long term game, and in a social media world that

0:41:10.520 --> 0:41:14.960
<v Speaker 4>is very hard because they're so bad at wanting instant gratification,

0:41:15.080 --> 0:41:17.759
<v Speaker 4>Like if your video isn't engaging, I'm off it less

0:41:17.800 --> 0:41:18.520
<v Speaker 4>than one second.

0:41:18.560 --> 0:41:19.560
<v Speaker 3>Gimme a good hook nut.

0:41:19.640 --> 0:41:22.960
<v Speaker 4>No, no good hook see you buye no good looking food.

0:41:23.120 --> 0:41:26.239
<v Speaker 4>Off you go. But I think it's so important to

0:41:26.400 --> 0:41:29.640
<v Speaker 4>understand why these people lost money, not just oh, your

0:41:29.680 --> 0:41:32.160
<v Speaker 4>friend lost three hundred thousand dollars. Oh my goodness. I

0:41:32.200 --> 0:41:36.760
<v Speaker 4>would never do that, because that's where real wealth happens. Unfortunately,

0:41:37.480 --> 0:41:39.560
<v Speaker 4>we are in the middle of a cost of living crisis.

0:41:40.040 --> 0:41:42.759
<v Speaker 4>Inflation is crazy. If you just keep your money in

0:41:42.800 --> 0:41:46.800
<v Speaker 4>your savings account, Georgie, you are going to retire poorer

0:41:47.160 --> 0:41:50.520
<v Speaker 4>than you are today, and that is crazy to think about.

0:41:50.760 --> 0:41:53.160
<v Speaker 4>But you need to be investing to be able to

0:41:53.280 --> 0:41:57.000
<v Speaker 4>get past inflation, because otherwise the money that you have.

0:41:57.600 --> 0:41:59.640
<v Speaker 4>Let's pretend you have ten thousand dollars today in a

0:41:59.680 --> 0:42:02.839
<v Speaker 4>savings account and feels so safe and so secure. Give

0:42:02.840 --> 0:42:05.439
<v Speaker 4>it thirty years, maybe you still have ten thousand dollars

0:42:05.440 --> 0:42:08.520
<v Speaker 4>in your savings account. That's great, same amount of money.

0:42:09.000 --> 0:42:11.759
<v Speaker 4>You might have even contributed a little more savings, but

0:42:11.840 --> 0:42:14.120
<v Speaker 4>it now buys significantly less.

0:42:14.640 --> 0:42:15.719
<v Speaker 3>A loaf of bread.

0:42:15.640 --> 0:42:18.040
<v Speaker 4>Exactly like you look back and I know it it

0:42:18.120 --> 0:42:21.520
<v Speaker 4>is the most stereotypical example. But the loaf of bread, right,

0:42:21.800 --> 0:42:23.959
<v Speaker 4>like a good loaf of bread at the bakery around

0:42:24.000 --> 0:42:26.920
<v Speaker 4>the corner from me, seven or eight dollars at woollies,

0:42:27.000 --> 0:42:29.279
<v Speaker 4>you're still buying it for like two or three. Back

0:42:29.320 --> 0:42:32.960
<v Speaker 4>in my parents' days, it was sense. And that is

0:42:33.000 --> 0:42:35.480
<v Speaker 4>something we need to take into consideration because that's just

0:42:35.520 --> 0:42:37.920
<v Speaker 4>going to keep inflating. It's just going to keep going up.

0:42:37.960 --> 0:42:40.960
<v Speaker 4>It does go up consistently every single year. And that's

0:42:41.000 --> 0:42:43.720
<v Speaker 4>why we have things like the you know, the budget

0:42:43.719 --> 0:42:46.399
<v Speaker 4>that comes out from the government every year. But we

0:42:46.480 --> 0:42:48.920
<v Speaker 4>need to be beating that. So you need to be

0:42:48.920 --> 0:42:51.040
<v Speaker 4>in it to win it, Like you have to invest.

0:42:51.160 --> 0:42:54.080
<v Speaker 4>At the end of the day, you are putting yourself behind.

0:42:54.680 --> 0:42:58.080
<v Speaker 4>And it's not scary, it's not. It's as easy as

0:42:58.120 --> 0:42:59.799
<v Speaker 4>buying a new dress on the iconic and I'm like

0:42:59.840 --> 0:43:01.000
<v Speaker 4>really good at that, Georgie.

0:43:01.960 --> 0:43:04.960
<v Speaker 2>I'm so like literally, I'm so good at online shopping.

0:43:05.000 --> 0:43:07.840
<v Speaker 4>It's not funny, exactly exactly. And if you're good at

0:43:07.880 --> 0:43:10.319
<v Speaker 4>online shopping, you're good at investing in shares because it

0:43:10.400 --> 0:43:13.400
<v Speaker 4>is as easy as downloading an app and just buying

0:43:13.400 --> 0:43:17.520
<v Speaker 4>a few things. Hitting trade great it's not as hard

0:43:17.520 --> 0:43:20.279
<v Speaker 4>as you think it is. Mediocre middle aged white men

0:43:20.360 --> 0:43:22.160
<v Speaker 4>have made us think it is hard for a very

0:43:22.200 --> 0:43:25.080
<v Speaker 4>long time because they have wanted us to pay them

0:43:25.080 --> 0:43:27.000
<v Speaker 4>a lot of money to be able to access that,

0:43:27.440 --> 0:43:30.080
<v Speaker 4>or they've wanted to gate keep their information because they

0:43:30.120 --> 0:43:33.439
<v Speaker 4>just want to feel really smart. But it's not that deep.

0:43:34.440 --> 0:43:36.719
<v Speaker 1>So if someone who doesn't they don't want to see

0:43:36.719 --> 0:43:38.879
<v Speaker 1>a financial advisor, they don't want to see the middle

0:43:38.920 --> 0:43:40.560
<v Speaker 1>aged white man, what do they do?

0:43:40.840 --> 0:43:42.560
<v Speaker 4>They listen to Sheese on the Money, and then you'll

0:43:42.600 --> 0:43:46.160
<v Speaker 4>be fine, absolutely fine, perfect if you want to start investing,

0:43:46.280 --> 0:43:48.520
<v Speaker 4>first thing I would do is think about why. So

0:43:48.560 --> 0:43:52.000
<v Speaker 4>we need to get that mindset and those energetics on

0:43:52.280 --> 0:43:54.560
<v Speaker 4>the right page. So what do you want to achieve

0:43:54.600 --> 0:43:57.160
<v Speaker 4>from this? Are we looking for? Like future financial freedom?

0:43:57.239 --> 0:44:01.200
<v Speaker 4>Are we looking for you know, home deposit? What are

0:44:01.200 --> 0:44:03.960
<v Speaker 4>we doing? We're gonna get clear on that. Then we're

0:44:04.000 --> 0:44:06.399
<v Speaker 4>gonna go, all right, what kind of platform do I want?

0:44:06.400 --> 0:44:08.839
<v Speaker 4>Am I gonna download an app like share Z's, which

0:44:08.920 --> 0:44:10.720
<v Speaker 4>is just like an app you can have on your phone,

0:44:11.200 --> 0:44:13.120
<v Speaker 4>gives you kind of not trying to pitch them, but

0:44:13.280 --> 0:44:16.279
<v Speaker 4>like talking about it, but gives you access to like

0:44:16.520 --> 0:44:19.440
<v Speaker 4>the US share market, Australia and New Zealand, and you

0:44:19.480 --> 0:44:22.040
<v Speaker 4>can trade for like one cent or do you think

0:44:22.040 --> 0:44:24.080
<v Speaker 4>you're like a full trader and you need something more

0:44:24.080 --> 0:44:26.840
<v Speaker 4>complex and you're looking at a platform maybe like self Wealth,

0:44:27.200 --> 0:44:29.480
<v Speaker 4>but that is a minimum of five hundred dollars to

0:44:29.520 --> 0:44:31.400
<v Speaker 4>be able to invest in, and like it doesn't have

0:44:31.480 --> 0:44:34.640
<v Speaker 4>a user friendly app, but like you might feel like

0:44:34.680 --> 0:44:36.960
<v Speaker 4>it's a little bit more technical, So like what are

0:44:36.960 --> 0:44:39.520
<v Speaker 4>we looking for? Pick your app and then we can

0:44:39.560 --> 0:44:41.400
<v Speaker 4>start talking about the type of investment.

0:44:41.400 --> 0:44:43.799
<v Speaker 1>You still use an app like Chaze even if you

0:44:43.840 --> 0:44:46.279
<v Speaker 1>want to be investing thousands of dollars or you would

0:44:46.320 --> 0:44:47.680
<v Speaker 1>recommend going to the other app.

0:44:47.719 --> 0:44:51.560
<v Speaker 4>Nope, Nope, shar Z's works exactly the same if you

0:44:51.600 --> 0:44:55.640
<v Speaker 4>have one cent or fifty million dollars, like their entire app,

0:44:55.680 --> 0:44:58.160
<v Speaker 4>and like my money is on chare Za's. I like

0:44:58.200 --> 0:45:02.840
<v Speaker 4>the experience. It's a legitimate investing platform, and it's so

0:45:02.920 --> 0:45:05.640
<v Speaker 4>pretty Georgie, Like it's just a pretty app.

0:45:06.080 --> 0:45:07.239
<v Speaker 3>Language, it's a pretty.

0:45:06.960 --> 0:45:09.920
<v Speaker 4>App, and they have AI building so that you can

0:45:09.960 --> 0:45:13.080
<v Speaker 4>like you can look up a I feel like this

0:45:13.239 --> 0:45:15.640
<v Speaker 4>is a pitch not being paid for them or buy

0:45:15.680 --> 0:45:19.040
<v Speaker 4>them for this podcast. I'm gonna call them up and

0:45:19.080 --> 0:45:21.480
<v Speaker 4>be like, hey, you're getting the best call out here.

0:45:22.239 --> 0:45:24.960
<v Speaker 4>But they literally have this like AI search. I don't

0:45:24.960 --> 0:45:26.520
<v Speaker 4>think that's what they call it, but like you can

0:45:26.560 --> 0:45:28.880
<v Speaker 4>type in what you're looking for, like I want an

0:45:28.960 --> 0:45:32.200
<v Speaker 4>ETF that's like all women or something, or I want

0:45:32.680 --> 0:45:35.319
<v Speaker 4>ethical ETF made up of tech companies and it will

0:45:35.360 --> 0:45:38.279
<v Speaker 4>like find that for you. Love isn't that cool? So

0:45:38.320 --> 0:45:40.160
<v Speaker 4>if you're like, oh, I've been thinking about this, maybe

0:45:40.160 --> 0:45:41.839
<v Speaker 4>I want to do a little bit of research. Like

0:45:41.880 --> 0:45:45.320
<v Speaker 4>it's so easy these days and that doesn't cost you anything.

0:45:45.680 --> 0:45:49.160
<v Speaker 4>So for me, having an app that makes the experience

0:45:49.280 --> 0:45:52.359
<v Speaker 4>easier so much better. That's why the iconic works, Right,

0:45:52.400 --> 0:45:55.600
<v Speaker 4>They've got all of these different retailers together, so I

0:45:55.600 --> 0:45:57.360
<v Speaker 4>can add a whole heap of things to my cart

0:45:57.640 --> 0:46:01.040
<v Speaker 4>check out smooth process. To be honest, Georgie, if you

0:46:01.120 --> 0:46:03.200
<v Speaker 4>made me go to like all of the other websites

0:46:03.200 --> 0:46:05.759
<v Speaker 4>and buy those dresses individually, maybe I'd still get one.

0:46:05.880 --> 0:46:07.720
<v Speaker 4>But like, I can't be bothered with the whole process.

0:46:07.719 --> 0:46:10.680
<v Speaker 3>You're paying like all different shipping. I don't know too hard.

0:46:11.000 --> 0:46:13.719
<v Speaker 4>Yeah, So I think it's important to have a process

0:46:13.760 --> 0:46:16.560
<v Speaker 4>that works for you, that feels smooth and feels like

0:46:16.640 --> 0:46:19.680
<v Speaker 4>you can commit to and then we can start picking

0:46:19.719 --> 0:46:22.320
<v Speaker 4>what you invest in, and that's completely up to you.

0:46:22.400 --> 0:46:25.600
<v Speaker 4>Like you could invest in direct shares, but for me

0:46:26.080 --> 0:46:28.680
<v Speaker 4>and for the she's on the money community, most of

0:46:28.719 --> 0:46:32.680
<v Speaker 4>them are looking at ETFs so exchange traded funds, which

0:46:32.719 --> 0:46:36.919
<v Speaker 4>are basically big buckets of pre selected shares that some

0:46:37.239 --> 0:46:41.120
<v Speaker 4>really smart, usually mediocre, middle aged white man has hicked.

0:46:42.160 --> 0:46:44.480
<v Speaker 4>Or it might be the top two hundred companies in

0:46:44.480 --> 0:46:47.879
<v Speaker 4>Australia because do you know what when it comes to investing, yes,

0:46:47.920 --> 0:46:50.640
<v Speaker 4>I'm aggressive. I want you to do this so bad,

0:46:50.960 --> 0:46:54.400
<v Speaker 4>but the second you get there, let's make it really boring. Georgie,

0:46:54.640 --> 0:46:56.960
<v Speaker 4>I don't want to be like personally, I don't want

0:46:56.960 --> 0:46:59.640
<v Speaker 4>to be taking massive risks with my money. No, I

0:46:59.719 --> 0:47:04.040
<v Speaker 4>just want consistent returns so that like I retire so wealthy,

0:47:04.200 --> 0:47:06.680
<v Speaker 4>I don't have to think about things. That's my plan.

0:47:07.280 --> 0:47:10.520
<v Speaker 4>So you're investing portfolio. We're not looking for the biggest

0:47:10.600 --> 0:47:13.440
<v Speaker 4>next thing. We're not looking for crypto. We're not looking

0:47:13.440 --> 0:47:16.560
<v Speaker 4>for like, oh, the tech companies that have performed the best.

0:47:16.719 --> 0:47:17.839
<v Speaker 4>I get it.

0:47:18.280 --> 0:47:19.400
<v Speaker 3>What do you think of crypto?

0:47:20.440 --> 0:47:24.640
<v Speaker 4>I'm a negative on the crypto side. Of things because

0:47:25.200 --> 0:47:27.960
<v Speaker 4>of my community. So I've obviously heard a lot of

0:47:28.000 --> 0:47:32.799
<v Speaker 4>negative stories. But on the flip side, why would I

0:47:32.840 --> 0:47:36.000
<v Speaker 4>want to invest in something that, yeah, there's like maybe

0:47:36.320 --> 0:47:40.719
<v Speaker 4>some significant upside, but it has such significant risk. But

0:47:40.840 --> 0:47:46.279
<v Speaker 4>I know I could achieve wealth pretty dependently, almost guaranteed

0:47:46.800 --> 0:47:49.280
<v Speaker 4>in the share market. Why would I take your money,

0:47:49.280 --> 0:47:52.960
<v Speaker 4>Georgie and take the biggest risk on purchasing an asset

0:47:53.040 --> 0:47:55.520
<v Speaker 4>that has no base? Right, Like, if we look at

0:47:55.520 --> 0:47:58.600
<v Speaker 4>crypto versus like giving gambling, yeah, it's giving gambling. But

0:47:58.719 --> 0:48:02.200
<v Speaker 4>like if we look at crypto versus a bank, let's

0:48:02.239 --> 0:48:05.240
<v Speaker 4>pretend it's NAB. So we've got crypto and NAB. NAB

0:48:05.360 --> 0:48:08.640
<v Speaker 4>is a legitimate business with lots of locations around Australia.

0:48:08.760 --> 0:48:11.920
<v Speaker 4>Our economy is held up by parts of NAB. If

0:48:11.960 --> 0:48:15.120
<v Speaker 4>they disappeared tomorrow, they can't, right, they have staff, they

0:48:15.120 --> 0:48:18.360
<v Speaker 4>have you know, consistent dividends that they've paid out to people.

0:48:18.600 --> 0:48:22.839
<v Speaker 4>Crypto who owns that. Where's their store? Where is the

0:48:22.920 --> 0:48:26.520
<v Speaker 4>actual bricks and mortar building that is sustaining that? Could

0:48:26.520 --> 0:48:30.799
<v Speaker 4>it disappear overnight? Absolutely it could? And crypto coins have

0:48:31.400 --> 0:48:34.040
<v Speaker 4>so they've just disappeared out of the market completely and

0:48:34.080 --> 0:48:36.920
<v Speaker 4>whose responsibility is at nobody's because they can do that.

0:48:37.640 --> 0:48:41.520
<v Speaker 4>So you're telling me that I could invest in crypto

0:48:41.680 --> 0:48:43.840
<v Speaker 4>and have all of that risk, or I could invest

0:48:43.960 --> 0:48:46.799
<v Speaker 4>in NAB, which do you know what. Let's pretend and

0:48:46.840 --> 0:48:48.279
<v Speaker 4>they're not going to like me for saying this, but

0:48:48.360 --> 0:48:52.560
<v Speaker 4>let's pretend the worst controversy happens inside NAB and all

0:48:52.640 --> 0:48:55.880
<v Speaker 4>of a sudden their share price completely plummets. At the

0:48:55.920 --> 0:48:58.920
<v Speaker 4>end of the day, Georgie, they're so integral to our

0:48:59.040 --> 0:49:02.319
<v Speaker 4>economy and to the banking of so many in Australians. Yep,

0:49:02.400 --> 0:49:05.319
<v Speaker 4>might have affected their share price. Smart people are going

0:49:05.360 --> 0:49:07.920
<v Speaker 4>to buy it while it's completely back up, and then

0:49:07.960 --> 0:49:10.560
<v Speaker 4>it's going to go back up. Yeah, Like, is crypto

0:49:10.600 --> 0:49:13.000
<v Speaker 4>going to do the same thing? No, it has never

0:49:13.040 --> 0:49:17.120
<v Speaker 4>shown us that. Yes, bitcoin has, so like bitcoin as

0:49:17.160 --> 0:49:20.879
<v Speaker 4>a coin on its own has and ethereum has done

0:49:20.960 --> 0:49:25.040
<v Speaker 4>something similar. But like, that's too out of thousands, if

0:49:25.080 --> 0:49:29.040
<v Speaker 4>not hundreds of thousands of different crypto options. For me,

0:49:29.800 --> 0:49:33.080
<v Speaker 4>I am conservative but aggressive, so most of my money

0:49:33.200 --> 0:49:36.840
<v Speaker 4>is in shares, but pretty conservative when we're picking boring

0:49:36.880 --> 0:49:39.280
<v Speaker 4>things because like girl, I just want to retire comfortably

0:49:39.280 --> 0:49:41.440
<v Speaker 4>and live my dream life. I'm not here. I don't

0:49:41.440 --> 0:49:43.880
<v Speaker 4>want to think the next best thing, but I'm just

0:49:43.920 --> 0:49:47.640
<v Speaker 4>not you can do that. But like, why would you

0:49:47.719 --> 0:49:48.320
<v Speaker 4>risk it.

0:49:48.960 --> 0:49:52.360
<v Speaker 1>Especially if you're a beginner, especially if you're just getting

0:49:52.360 --> 0:49:56.640
<v Speaker 1>into the market, especially if you've never even doubled your toes.

0:49:57.040 --> 0:49:58.360
<v Speaker 2>I think, Yeah, why.

0:49:58.200 --> 0:50:01.040
<v Speaker 4>Would you be more comfortable with crypto over the share market?

0:50:01.080 --> 0:50:04.000
<v Speaker 4>You need to ask yourself that, and usually it is

0:50:04.120 --> 0:50:08.000
<v Speaker 4>because of the herd mentality. You've seen so many people

0:50:08.040 --> 0:50:11.680
<v Speaker 4>online get involved in crypto, So somehow, because you've seen

0:50:11.760 --> 0:50:14.600
<v Speaker 4>that role modeled, you feel safer with it. Whereas not

0:50:14.640 --> 0:50:17.520
<v Speaker 4>that many people are bragging about their share portfolio. That's

0:50:17.560 --> 0:50:20.319
<v Speaker 4>just consistent. That doesn't make a good news story. So

0:50:20.360 --> 0:50:22.439
<v Speaker 4>you need to ask yourself why you would take such

0:50:22.760 --> 0:50:26.719
<v Speaker 4>more significant risk over something that's tried and true. Right,

0:50:27.440 --> 0:50:28.440
<v Speaker 4>How bold you about it?

0:50:28.960 --> 0:50:30.360
<v Speaker 3>I love that again? Mindset?

0:50:30.640 --> 0:50:31.600
<v Speaker 4>Yeah?

0:50:31.680 --> 0:50:34.600
<v Speaker 1>Okay, So, like I said, since the seven, it's all

0:50:34.640 --> 0:50:38.560
<v Speaker 1>about getting everything you want in life in business and

0:50:38.640 --> 0:50:43.320
<v Speaker 1>from your financial perspective, what are the non negotiable someone

0:50:43.480 --> 0:50:46.920
<v Speaker 1>should get right if they want to create financial freedom

0:50:47.440 --> 0:50:51.640
<v Speaker 1>to have everything they desire in life in business, this

0:50:51.719 --> 0:50:54.520
<v Speaker 1>dream life that me and you are both on the road.

0:50:54.680 --> 0:50:58.359
<v Speaker 4>Yeah, So first is mindset. You need to get your

0:50:58.360 --> 0:51:01.440
<v Speaker 4>mindset straight, because if you do not think you deserve this,

0:51:01.600 --> 0:51:04.080
<v Speaker 4>it is not going to happen. We need to step

0:51:04.080 --> 0:51:07.040
<v Speaker 4>into no, I'm worth this, No I deserve this. I

0:51:07.160 --> 0:51:11.319
<v Speaker 4>am worth everything that I'm putting into me. Women consistently

0:51:11.440 --> 0:51:16.000
<v Speaker 4>undervalue themselves put themselves last. Caring about your finances is

0:51:16.040 --> 0:51:18.759
<v Speaker 4>making sure that that cup is bigger so that it

0:51:18.840 --> 0:51:22.320
<v Speaker 4>is always overflowing, as opposed to always working off empty

0:51:22.560 --> 0:51:24.279
<v Speaker 4>like we always talk about not being able to pour

0:51:24.320 --> 0:51:27.120
<v Speaker 4>from an empty cup. Girl, finances is going to build

0:51:27.120 --> 0:51:29.080
<v Speaker 4>the cup and plug all the holes and make sure

0:51:29.120 --> 0:51:32.840
<v Speaker 4>that it holds everything in right. Then, once we're clean

0:51:32.960 --> 0:51:36.560
<v Speaker 4>and clear on our mindset goes back to boring cash

0:51:36.560 --> 0:51:41.640
<v Speaker 4>flow Georgie, I guarantee most now listening, Yep, you have

0:51:41.719 --> 0:51:44.160
<v Speaker 4>to know. If they're not sexy, it's not fun. Most

0:51:44.160 --> 0:51:46.360
<v Speaker 4>people would be able to tell me how many dollars

0:51:46.440 --> 0:51:48.480
<v Speaker 4>come into their bank account because they know what their

0:51:48.520 --> 0:51:51.920
<v Speaker 4>pay slips are, Georgie, how many dollars leave? Where are

0:51:51.960 --> 0:51:54.440
<v Speaker 4>they going? What are they doing? I want you to

0:51:54.480 --> 0:51:56.800
<v Speaker 4>know four numbers. What do you earn, what do you spend,

0:51:56.840 --> 0:51:59.680
<v Speaker 4>what do you own? And what do you owe? Even

0:51:59.719 --> 0:52:03.640
<v Speaker 4>if that is astronomical amounts of o wing because same girlfriend, Like,

0:52:03.840 --> 0:52:07.160
<v Speaker 4>I am mortgaged up to the hilt and I regret nothing. Yeah,

0:52:07.160 --> 0:52:09.560
<v Speaker 4>but like I want to know where I am because

0:52:09.560 --> 0:52:12.200
<v Speaker 4>that's like a plot on a graph, and we can

0:52:12.239 --> 0:52:14.359
<v Speaker 4>plot ourselves and work out where we want to go

0:52:14.480 --> 0:52:17.719
<v Speaker 4>and what that looks like. The second thing I want

0:52:17.760 --> 0:52:20.640
<v Speaker 4>you to focus on is your foundations. Do you have

0:52:20.719 --> 0:52:24.879
<v Speaker 4>an emergency fund? Do you have fifty one hundred, maybe

0:52:24.880 --> 0:52:27.480
<v Speaker 4>it's five thousand, I don't care, But do you have

0:52:27.560 --> 0:52:30.640
<v Speaker 4>some cash sitting to the side that will help you

0:52:30.640 --> 0:52:33.520
<v Speaker 4>get out of any situation you don't want to be in?

0:52:34.360 --> 0:52:36.440
<v Speaker 4>Is it a bill that's just popped up and you're like,

0:52:36.440 --> 0:52:39.160
<v Speaker 4>oh my goodness, I totally forgot about this. Is it,

0:52:39.520 --> 0:52:42.080
<v Speaker 4>you know, flying back from Melbourne because you're stuck with

0:52:42.200 --> 0:52:44.480
<v Speaker 4>Victoria here and you want to go home to.

0:52:44.440 --> 0:52:46.000
<v Speaker 3>The Gold Coast, get me home.

0:52:46.040 --> 0:52:48.720
<v Speaker 4>But like, you have that power to just go I'm leaving.

0:52:49.280 --> 0:52:51.680
<v Speaker 4>So many people don't have that, Georgie. They can't leave

0:52:51.719 --> 0:52:53.600
<v Speaker 4>a situation they don't want to be in, and that

0:52:53.760 --> 0:52:57.200
<v Speaker 4>is power. We're not talking about tomorrow becoming a millionaire.

0:52:57.440 --> 0:53:00.520
<v Speaker 4>We're talking about giving ourselves the financial freedom we deserve,

0:53:00.880 --> 0:53:04.200
<v Speaker 4>and that is about giving ourselves choices. The next thing

0:53:04.239 --> 0:53:06.880
<v Speaker 4>I want you to do is automate. I want you

0:53:06.960 --> 0:53:09.200
<v Speaker 4>to automate your savings. I want you to automate your

0:53:09.200 --> 0:53:11.759
<v Speaker 4>bill payments. I want you to automate a transfer to

0:53:11.800 --> 0:53:15.600
<v Speaker 4>your investing account. Because those who have wealth, and you

0:53:15.600 --> 0:53:18.759
<v Speaker 4>would know this now, George, they are the ones that

0:53:18.800 --> 0:53:22.399
<v Speaker 4>pay themselves first. They set up their accounts. They are

0:53:22.440 --> 0:53:24.960
<v Speaker 4>paying their mortgage, they are paying their savings, they are

0:53:24.960 --> 0:53:28.160
<v Speaker 4>paying their debt, they are paying everything off to begin with.

0:53:28.560 --> 0:53:31.239
<v Speaker 4>They are investing, and then they're playing with the rest. Yeah,

0:53:31.360 --> 0:53:36.080
<v Speaker 4>people who look rich but are not rich are playing

0:53:36.120 --> 0:53:38.760
<v Speaker 4>with all of their money and then paying everything second

0:53:38.960 --> 0:53:41.440
<v Speaker 4>and not caring about it enough, so they're not creating

0:53:41.440 --> 0:53:46.680
<v Speaker 4>and building wealth. Wealth is not visible. It's so unsexy,

0:53:47.239 --> 0:53:50.360
<v Speaker 4>Like no one can see your investment portfolio, Georgie. They can't.

0:53:50.520 --> 0:53:51.280
<v Speaker 3>It's sexy.

0:53:51.320 --> 0:53:54.120
<v Speaker 4>They can see that. Oh, they can see your car,

0:53:54.239 --> 0:53:57.160
<v Speaker 4>they can see your houses, and that's fantastic. But for

0:53:57.280 --> 0:53:59.760
<v Speaker 4>lots of people, not you, but for lots of people,

0:54:00.120 --> 0:54:03.200
<v Speaker 4>those visible things are actually one hundred percent debt. Like

0:54:03.239 --> 0:54:05.920
<v Speaker 4>the cars on finance, they're really struggling with their mortgage

0:54:05.960 --> 0:54:08.160
<v Speaker 4>they're going home every night and fighting with their partner

0:54:08.160 --> 0:54:12.280
<v Speaker 4>over how they're going to make those payments. Your financial

0:54:12.320 --> 0:54:14.920
<v Speaker 4>freedom isn't coming from having the shiny things that everyone

0:54:14.920 --> 0:54:17.799
<v Speaker 4>can see. It's coming from your investment portfolio. The fact

0:54:17.840 --> 0:54:21.080
<v Speaker 4>that your property portfolio, I'm assuming, is generating income to

0:54:21.120 --> 0:54:24.480
<v Speaker 4>pay those More like, it's about strategy. No one can

0:54:24.520 --> 0:54:27.480
<v Speaker 4>see that, so we need to get that started. And

0:54:27.520 --> 0:54:30.000
<v Speaker 4>the best way to get that strategy started is automation.

0:54:30.840 --> 0:54:31.840
<v Speaker 4>And then we're just going to give it.

0:54:32.040 --> 0:54:33.320
<v Speaker 3>I have to think about it, stunt.

0:54:33.360 --> 0:54:35.080
<v Speaker 4>No, why would you think about it if you do

0:54:35.160 --> 0:54:37.280
<v Speaker 4>not have to, It's not fun.

0:54:37.440 --> 0:54:40.359
<v Speaker 3>I also love it too, because I love automation. Sorry

0:54:40.360 --> 0:54:41.000
<v Speaker 3>to interrupt.

0:54:41.200 --> 0:54:44.960
<v Speaker 1>Because when I have that money in the bank that

0:54:45.000 --> 0:54:48.560
<v Speaker 1>I've paid everything off, the mortgages are paid, the you know,

0:54:48.640 --> 0:54:52.360
<v Speaker 1>everything's gone into investments, so I know the set amount

0:54:52.400 --> 0:54:55.279
<v Speaker 1>of money that I can play with, and so when

0:54:55.320 --> 0:54:58.719
<v Speaker 1>I spend money, there is not no guilt. There is like,

0:54:59.000 --> 0:55:00.799
<v Speaker 1>you know, people are you know, if I will go

0:55:00.880 --> 0:55:03.680
<v Speaker 1>buy something special for my thirty eth or yeah, something

0:55:03.840 --> 0:55:05.680
<v Speaker 1>like that, and people like, oh, you're just wasting money.

0:55:05.719 --> 0:55:09.600
<v Speaker 2>I'm like, no, I know exactly how much.

0:55:09.480 --> 0:55:13.240
<v Speaker 4>Money and even if it was, and I literally printed

0:55:13.239 --> 0:55:16.319
<v Speaker 4>this money out and set fire to it. Wouldn't matter,

0:55:16.520 --> 0:55:17.200
<v Speaker 4>would it matter?

0:55:17.360 --> 0:55:18.240
<v Speaker 3>It's not your problem?

0:55:18.440 --> 0:55:20.640
<v Speaker 4>Yeah, Also, why are you so worrying?

0:55:20.760 --> 0:55:20.960
<v Speaker 3>Jack?

0:55:21.400 --> 0:55:26.160
<v Speaker 4>Exactly? So, I think it's so important to remember that unfortunately,

0:55:26.200 --> 0:55:29.359
<v Speaker 4>wealth it's not visible. It's really hard to see those

0:55:29.400 --> 0:55:34.080
<v Speaker 4>people who are financially successful. And in a world where girl,

0:55:34.160 --> 0:55:37.440
<v Speaker 4>I saw so many influencers in my financial advice career

0:55:37.480 --> 0:55:40.400
<v Speaker 4>that were up to their eyeballs in debt because they

0:55:40.400 --> 0:55:43.759
<v Speaker 4>were keeping up with the Kardashians. Yes, like, it's just

0:55:44.360 --> 0:55:48.200
<v Speaker 4>don't follow that. In fact, operate as a default. If

0:55:48.200 --> 0:55:51.520
<v Speaker 4>that influencer isn't talking about money, isn't talking about wealth,

0:55:52.080 --> 0:55:53.800
<v Speaker 4>they're probably not that comfortable with it. And do you

0:55:53.880 --> 0:55:55.759
<v Speaker 4>know why they're not that comfortable with it, because they're

0:55:55.800 --> 0:55:57.880
<v Speaker 4>not focusing on it. And if they're not focusing on it,

0:55:57.920 --> 0:55:59.680
<v Speaker 4>but they've got the car, they've got the clothes, they've

0:55:59.719 --> 0:56:02.640
<v Speaker 4>got the house, I've got everything, it's probably a little

0:56:02.640 --> 0:56:06.719
<v Speaker 4>bit sticky. Like, operate under that assumption, even though it

0:56:06.760 --> 0:56:09.239
<v Speaker 4>is not nice, because it will change your mindset to

0:56:09.600 --> 0:56:10.800
<v Speaker 4>caring more about yourself.

0:56:12.160 --> 0:56:14.279
<v Speaker 2>That's even like just a quick little story and there.

0:56:14.280 --> 0:56:17.000
<v Speaker 1>I remember when I was about twenty five, and I

0:56:17.080 --> 0:56:21.040
<v Speaker 1>was just kind of starting in the influencer game, and yeah,

0:56:21.080 --> 0:56:23.799
<v Speaker 1>I was getting paid extreme soone you know.

0:56:23.800 --> 0:56:26.520
<v Speaker 4>Like I stream amounts of money in comparison to what

0:56:26.560 --> 0:56:27.320
<v Speaker 4>you were before.

0:56:27.440 --> 0:56:29.640
<v Speaker 2>Yeah, when I was like a clerk, it was wild.

0:56:29.680 --> 0:56:34.000
<v Speaker 1>And I remember being at an influencer event and a

0:56:34.120 --> 0:56:39.000
<v Speaker 1>younger influencer, big YouTuber who I knew how much she

0:56:39.040 --> 0:56:41.120
<v Speaker 1>was getting paid to certain sponsorships, and I was like,

0:56:41.600 --> 0:56:44.400
<v Speaker 1>holy wow. And I was just telling her how we

0:56:44.520 --> 0:56:47.080
<v Speaker 1>had bought our you know, first house, so I was

0:56:47.120 --> 0:56:48.400
<v Speaker 1>at that age.

0:56:48.360 --> 0:56:50.759
<v Speaker 2>And she was like, oh my gosh, like how did

0:56:50.800 --> 0:56:53.520
<v Speaker 2>you afford it? And I literally reached.

0:56:53.239 --> 0:56:55.120
<v Speaker 1>Over the table because she had like a whole bunch

0:56:55.120 --> 0:56:57.359
<v Speaker 1>of Cardia rings on, she had you know, her sign

0:56:57.360 --> 0:57:00.279
<v Speaker 1>a bag and everything, and I was like, paid because

0:57:00.320 --> 0:57:01.720
<v Speaker 1>I don't buy those things.

0:57:02.040 --> 0:57:04.200
<v Speaker 2>Yeah, and I that's what I know.

0:57:04.360 --> 0:57:06.080
<v Speaker 1>I can look at your hand right now, I can

0:57:06.120 --> 0:57:07.960
<v Speaker 1>look at your house to posit, and that is a

0:57:08.000 --> 0:57:08.600
<v Speaker 1>house to posit.

0:57:08.680 --> 0:57:11.000
<v Speaker 4>Don't get us wrong, Like we're sitting here probably yeah,

0:57:11.120 --> 0:57:13.160
<v Speaker 4>like I deposits on our wrists right now.

0:57:13.239 --> 0:57:13.879
<v Speaker 3>Absolutely.

0:57:13.880 --> 0:57:16.000
<v Speaker 4>The reason we are able to do that is because

0:57:16.040 --> 0:57:17.560
<v Speaker 4>we put our well first.

0:57:17.600 --> 0:57:22.320
<v Speaker 1>Well first. The same stuff playing first, Yes, lady said

0:57:22.360 --> 0:57:25.280
<v Speaker 1>to her, even though I think she's only twenty one,

0:57:25.520 --> 0:57:28.439
<v Speaker 1>even though you're twenty one, trust me, babe, Like, who

0:57:28.480 --> 0:57:30.360
<v Speaker 1>knows how long this career is going.

0:57:30.200 --> 0:57:30.920
<v Speaker 4>To You never know?

0:57:31.080 --> 0:57:32.000
<v Speaker 3>Do you never know?

0:57:32.200 --> 0:57:35.000
<v Speaker 1>And so I just said to her, like, set yourself

0:57:35.120 --> 0:57:38.200
<v Speaker 1>up and then when you play with your money, you're

0:57:38.200 --> 0:57:40.680
<v Speaker 1>going to feel like so good when you spend it,

0:57:40.720 --> 0:57:42.880
<v Speaker 1>when you buy that cuddier whatever.

0:57:43.200 --> 0:57:46.680
<v Speaker 4>It's become something that means something as opposed to a

0:57:46.720 --> 0:57:47.480
<v Speaker 4>status symbol.

0:57:47.720 --> 0:57:52.600
<v Speaker 1>Yes, and look, I'm not like, yeah, who knows what

0:57:52.640 --> 0:57:56.400
<v Speaker 1>happened there, But I remember having that conversation and seeing

0:57:56.440 --> 0:58:00.920
<v Speaker 1>the world and being like wow, they And also she

0:58:00.960 --> 0:58:04.000
<v Speaker 1>probably didn't have the education. No, she didn't have the

0:58:04.160 --> 0:58:06.400
<v Speaker 1>role modelate like she I could tell when I told

0:58:06.440 --> 0:58:08.480
<v Speaker 1>her that she was like me by a house at

0:58:08.520 --> 0:58:09.120
<v Speaker 1>twenty one, Like.

0:58:09.080 --> 0:58:12.360
<v Speaker 4>What, Yeah, you could could come and see me and

0:58:12.440 --> 0:58:14.240
<v Speaker 4>I will do it for you.

0:58:13.960 --> 0:58:16.840
<v Speaker 1>Like it's really easy, toss me just get people to

0:58:16.880 --> 0:58:17.800
<v Speaker 1>do it exactly.

0:58:18.040 --> 0:58:19.200
<v Speaker 3>And well, that's even why.

0:58:19.080 --> 0:58:22.760
<v Speaker 1>I have a financial advisor, because I honestly hate numbers.

0:58:22.840 --> 0:58:25.600
<v Speaker 1>I find it boring. I find the budgets boring. But

0:58:25.840 --> 0:58:28.400
<v Speaker 1>it is so I'll tell you what you need, I'll

0:58:28.440 --> 0:58:30.160
<v Speaker 1>tell me what to do, I'll do it, go do

0:58:30.280 --> 0:58:31.600
<v Speaker 1>that and that and then.

0:58:31.520 --> 0:58:34.200
<v Speaker 4>My random space exactly, and then can you please help

0:58:34.240 --> 0:58:35.000
<v Speaker 4>me with my mindset?

0:58:35.080 --> 0:58:35.360
<v Speaker 3>Great?

0:58:35.400 --> 0:58:37.080
<v Speaker 4>Thanks, You've got.

0:58:36.960 --> 0:58:38.040
<v Speaker 3>Us both exactly.

0:58:38.480 --> 0:58:40.920
<v Speaker 1>Victoria, thank you so much for coming on show. It

0:58:40.960 --> 0:58:43.720
<v Speaker 1>has been such a delight. You are such a wealth

0:58:43.760 --> 0:58:45.720
<v Speaker 1>of knowledge, and like I said at the start, I

0:58:45.760 --> 0:58:50.479
<v Speaker 1>just love that you aus have such a holistic view

0:58:50.680 --> 0:58:55.640
<v Speaker 1>and you are such a empowering role model for women

0:58:56.400 --> 0:58:59.400
<v Speaker 1>with money, with going after what they want, with living

0:58:59.400 --> 0:59:02.480
<v Speaker 1>their dream life. But you actually you give them the steps,

0:59:02.560 --> 0:59:06.680
<v Speaker 1>you give them, you know the tools, and it's so

0:59:06.680 --> 0:59:07.280
<v Speaker 1>so neated.

0:59:07.280 --> 0:59:08.360
<v Speaker 3>So thank you so much.

0:59:08.400 --> 0:59:11.080
<v Speaker 4>Thank you, and right back at you. I feel like

0:59:11.120 --> 0:59:14.080
<v Speaker 4>this little collaboration is one that needs to grow. I

0:59:14.120 --> 0:59:16.280
<v Speaker 4>know you can do the mindset stuff. I want to

0:59:16.280 --> 0:59:18.400
<v Speaker 4>play there too, but like I'll get the strategy, I'll

0:59:18.440 --> 0:59:19.240
<v Speaker 4>do the strategy.

0:59:19.280 --> 0:59:20.720
<v Speaker 3>We the masculine, we need the feminish.

0:59:20.760 --> 0:59:22.680
<v Speaker 4>Yeah, with a ying to the yang is yea perfect

0:59:22.880 --> 0:59:25.160
<v Speaker 4>Thank you for having me a pasure as always, and.

0:59:25.080 --> 0:59:28.320
<v Speaker 1>Of course I will link everything that Victoria has to offer.

0:59:28.200 --> 0:59:28.640
<v Speaker 3>In the show.

0:59:28.680 --> 0:59:30.240
<v Speaker 4>Not I was just happy to be here, to.

0:59:30.200 --> 0:59:34.320
<v Speaker 1>Be honest, but also guys like if you're like getting

0:59:34.360 --> 0:59:36.479
<v Speaker 1>those moments, those are har moments where you're like, fuck,

0:59:36.560 --> 0:59:37.000
<v Speaker 1>I can.

0:59:36.920 --> 0:59:38.880
<v Speaker 2>Actually I can be in the do this, I can

0:59:38.920 --> 0:59:40.040
<v Speaker 2>be at the big boys table.

0:59:40.440 --> 0:59:41.040
<v Speaker 4>That hard.

0:59:41.400 --> 0:59:42.439
<v Speaker 3>Honestly, it's not hard.

0:59:42.600 --> 0:59:44.440
<v Speaker 4>If we can do it, you can do it, I know.

0:59:44.560 --> 0:59:46.600
<v Speaker 4>And like we've just got folded up chairs. You bring one,

0:59:46.760 --> 0:59:48.520
<v Speaker 4>we'll all sit at the same table and we'll just

0:59:48.520 --> 0:59:49.280
<v Speaker 4>get stuff done.

0:59:49.400 --> 0:59:51.760
<v Speaker 1>Well, we will absolutely all right, my love, thank you

0:59:51.840 --> 0:59:55.200
<v Speaker 1>so much coming on the show. If you did love

0:59:55.240 --> 0:59:59.160
<v Speaker 1>this episode, please take a screenshot, put on your stories,

0:59:59.280 --> 1:00:01.080
<v Speaker 1>share it with a girl, our friend, share it with

1:00:01.120 --> 1:00:02.000
<v Speaker 1>your mum, sister.

1:00:02.480 --> 1:00:03.400
<v Speaker 3>Really appreciate it.

1:00:03.480 --> 1:00:06.720
<v Speaker 1>This is an independent podcast and the reason that we

1:00:06.800 --> 1:00:11.240
<v Speaker 1>can keep giving you this beautiful free content is because

1:00:11.400 --> 1:00:12.280
<v Speaker 1>you guys share.

1:00:12.080 --> 1:00:15.520
<v Speaker 3>It and we have listens and downloads. So appreciate you

1:00:15.600 --> 1:00:16.160
<v Speaker 3>more than you know.

1:00:16.200 --> 1:00:18.240
<v Speaker 1>If you do that, Thank you so much for listening,

1:00:18.320 --> 1:00:20.920
<v Speaker 1>and I will chat to you in the next episode.

1:00:21.280 --> 1:00:26.600
<v Speaker 3>Bye.